摘要
中小企业作为经济发展的重要组成部分，其融资难问题长期制约着自身发展与市场活力释放。在供应链金融模式下，通过整合资金流、信息流和物流，为中小企业提供了全新的融资路径。本研究旨在探讨供应链金融模式如何创新性地解决中小企业融资困境，并分析其运行机制与实际效果。研究采用定性与定量相结合的方法，综合运用案例分析、问卷调查及统计建模等手段，对供应链金融的典型模式及其对中小企业融资效率的影响进行了深入考察。研究表明，供应链金融通过核心企业信用传递、大数据风控以及平台化运作等方式，显著降低了中小企业的融资成本并提高了融资可得性。此外，区块链技术的应用进一步增强了交易透明度与信任水平，为融资模式带来了突破性创新。研究结论表明，供应链金融不仅能够有效缓解中小企业融资难题，还推动了产业链整体协同与价值提升。本研究的主要贡献在于揭示了供应链金融模式的核心驱动因素及其对中小企业融资的具体改善机制，同时提出了优化建议，为政策制定者与实践者提供了理论支持与实践参考。
关键词：中小企业融资；供应链金融；核心企业信用传递；区块链技术；融资效率提升
Abstract
Small and medium-sized enterprises (SMEs), as a critical component of economic development, have long been constrained in their growth and market vitality due to difficulties in accessing financing. Under the fr amework of supply chain finance, the integration of capital flow, information flow, and logistics offers SMEs a novel financing pathway. This study aims to explore how supply chain finance innovatively addresses the financing challenges faced by SMEs and analyzes its operational mechanisms and practical outcomes. A mixed-methods approach combining qualitative and quantitative techniques was employed, utilizing case studies, questionnaire surveys, and statistical modeling to comprehensively examine typical models of supply chain finance and their impact on the financing efficiency of SMEs. The findings indicate that supply chain finance significantly reduces financing costs and enhances accessibility for SMEs through mechanisms such as credit transfer from core enterprises, big data risk control, and platform-based operations. Furthermore, the application of blockchain technology improves transaction transparency and trust levels, introducing breakthrough innovations to the financing model. The conclusion reveals that supply chain finance not only effectively alleviates the financing difficulties of SMEs but also promotes overall collaboration and value enhancement within industrial chains. The primary contribution of this research lies in identifying the core driving factors of supply chain finance and elucidating the specific improvement mechanisms for SME financing, while also offering optimization recommendations to provide theoretical support and practical guidance for policymakers and practitioners.
Keywords：Sme Financing; Supply Chain Finance; Core Enterprise Credit Transfer; Blockchain Technology; Financing Efficiency Enhancement
目 录
摘要 I
Abstract II
一、绪论 1
(一) 供应链金融与中小企业融资背景 1
(二) 研究意义与价值分析 1
(三) 国内外研究现状综述 2
二、供应链金融模式的核心机制 2
(一) 供应链金融的基本概念与特征 2
(二) 核心企业的作用与信用传递 3
(三) 资金流 3
三、中小企业融资困境与创新需求 4
(一) 中小企业传统融资的主要障碍 4
(二) 供应链金融对中小企业的适配性 4
(三) 创新融资模式的设计原则 5
四、供应链金融模式下的融资创新实践 6
(一) 基于应收账款的融资创新 6
(二) 存货质押融资的应用与发展 6
(三) 预付款融资的优化路径 7
结 论 9
参考文献 10
