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供应链金融是一种基于对整条供应链分析、考察,并以核心企业的信用支持为基础,为供应链上下游中小企业提供融资的全新融资模式,该模式突破了传统授信的评级、抵押担保及审批流程等多方面的限制,能够及时满足中小企业的短期流动资金需求。然而,由于该融资模式存在市场风险暴露大、担保链条长、操作流程复杂、参与主体多样、信息流通不畅等不利因素,使得供应链金融面临显著的市场风险、操作风险及信用风险。本文梳理了供应链金融的概念、特点、模式,分析了供应链金融面临的风险,并有针对性的提出供应链金融风险的防范措施。
Supply chain finance is a new financing model based on the analysis and investigation of the whole supply chain and based on the credit support of the core enterprises to provide financing for the upstream and downstream SMEs in the supply chain. This model breaks through the traditional credit rating, mortgage Guarantee and approval process and other restrictions, to meet the short-term liquidity needs of SMEs in a timely manner. However, due to unfavorable factors such as large market risk exposure, long chain of guarantee, complex operation flow, diversified participants and poor information circulation, the supply chain finance faces significant market risk, operational risk and credit risk. This paper sorts out the concept, characteristics and mode of supply chain finance, analyzes the risks that supply chain finance faces, and puts forward some countermeasures to prevent supply chain financial risk.