一、引言中小型企业是当今社会经济发展中的一支重要而且活跃的力量,在国民经济中具有不可或缺的地位,在世界各国的经济发展中都起着举足轻重的作用。然而融资难问题一直制约着中小企业的发展,其中中小企业信用等级低、融资成本高,成为制约中小企业融资的关键因素。供应链是指围绕核心企业,通过对信息流、物流、资金流的控制,从采购原料开始,制成中间产品 I. Introduction Small and medium-sized enterprises are an important and active force in today’s social and economic development. They have an indispensable position in the national economy and play an important role in the economic development of all countries in the world. However, the financing difficulties have always restricted the development of SMEs. SMEs have low credit rating and high financing costs, which have become the key factors restricting the financing of SMEs. Supply chain is around the core business, through the information flow, logistics, capital flow control, starting from the procurement of raw materials, made of intermediate products