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中小企业融资难一直是制约我国中小企业成长壮大的最大瓶颈。商业巨头们借助互联网金融创新大潮,创新了供应链金融这种商业模式,为供应链上供应商提供及时有效的贷款,满足了中小企业发展融资需求,也促进了整个供应链条良性循环和运转。本文通过分析阿里供应链金融的运转模式,提出了我国商业银行完善其供应链金融模式的建议。
SME financing difficulties has always been the biggest bottleneck restricting the growth and expansion of SMEs in our country. With the tide of Internet financial innovation, commercial giants innovated the business model of supply chain finance, provided timely and effective loans to suppliers in the supply chain, met the financing needs of SME development and promoted the virtuous cycle and operation of the entire supply chain . This article analyzes the operation mode of Ali’s supply chain finance and puts forward the suggestion that our country’s commercial banks improve their supply chain financial model.