摘 要中小企业在我国经济地位高，可以增长经济、增加税收、增加工作岗位。但是中小企业现在融资困难，拖了中小企业的发展的后腿，融资难使中小企业需要解决的首要问题。这几年，国内商业银行推出的供应链金融服务方案,帮中小企业解决了融资难的问题,同时提升了供应链的稳定性及整体价值，让经济业界和学术界都重视起来。中小企业融资渠道单一，融资成本高昂，银行贷款困难，都使其融资困难。融资难已经阻碍了中小企业的持续发展。中小企业融资难为切点,引出供应链金融，但重点研究的是预付账款融资模式下的中小企业融资。中小企业在我国无论是税收方面还是就业以及其他方面都很重要，融资难阻碍了中小企业生存成长。所以为了解决融资难，无论是国家政府部门，还是经济学者或企业自身都在寻找对策。供应链金融是近几年新出的解决对策。关键词： 供应链金融，中小企业，预付账款，融资Small and medium-sized enterprises based on supply chain finance financing research advance paymentABSTRACTSmall and medium-sized enterprises in our country's high economic status, can increase economy, raise taxes and increase jobs. But small and medium-sized enterprise financing difficult now, drag the development of small and medium-sized enterprises, financing difficulties to make this the prime problem of the small and medium-sized enterprises need to solve. In recent years, domestic commercial Banks to launch a service supply chain finance solutions, to help solve the problem of the financing difficulties of small and medium-sized enterprises, enhance the stability of the supply chain and value at the same time, make the economy in the industry and academia. The single financing channel, the high cost of financing, bank loans difficult, make its financing difficulties. Financing difficulties have hindered the sustainable development of small and medium-sized enterprises. Small and medium-sized enterprise financing difficult to tangent point, which leads to the supply chain finance, but th...
