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中小企业是国民经济发展的重要基础,是社会稳定的重要保证,同时也是确保国家财政收入特别是地方财政收入的稳定来源。融资难问题一直是制约中小企业发展的瓶颈。本文首先对中小企业融资现状进行分析,探讨了中小企业融资难问题的成因和现有的融资渠道及存在的问题,并分析了供应链金融与传统融资模式的区别以及供应链金融是如何解决中小企业融资难问题的,在此基础上在提出了供应链金融是解决中小企业融资难问题的有效途径这一论断。
Small and medium-sized enterprises are the important foundation for the development of the national economy and an important guarantee for social stability. They are also the stable source of ensuring the state’s fiscal revenue, especially that of local governments. Financing problems have always been the bottleneck restricting the development of SMEs. This article first analyzes the status quo of SME financing, discusses the causes of SMEs financing difficulties and the existing financing channels and existing problems, and analyzes the difference between supply chain finance and traditional financing modes and how to solve supply chain finance small and medium On the basis of this, it puts forward that supply chain finance is an effective way to solve the problem of financing for small and medium-sized enterprises.