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Supply chain finance solves the problems encountered in traditional credit,so that small and medium-sized enterprises have enough funds to invest in enterprise R ＆ D.This paper selects gem enterprises as the research object,analyzes the effect of Supply Chain Finance on enterprise innovation.From the perspective of property right differentiation,this paper analyzes the heterogeneous effect o Supply Chain Finance on enterprise innovation performance with different property rights.It is found that:（1） supply chain finance car significantly promote the innovation performance of small and medium-sized enterprises;（2） compared with state-owned enterprises supply chain finance plays a greater role in promoting the innovation performance of non-state-owned enterprises.It means that the effect of Supply Chain Finance on the innovation performance of small and medium-sized enterprises are different in terms of property right heterogeneity.