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作为我国市场经济的活跃主体,中小企业对宏观经济和人民的生活发挥着重要的作用。近年来,为解决中小企业融资难的问题,供应链融资模式应运而生。该融资模式削弱了银企之间信息的不对称性以及信贷风险,从而有力地推动了中小企业融资进程。本文采用线性回归分析的方法,对供应链金融模式下中小企业债权性融资模式进行了实证研究。研究结果表明,供应链融资模式所要求的存货、应收账款、预付账款等因素对中小企业的债权性融资能力有着显著影响,供应链的发展对企业融资发展提供了动力和活力。这为该模式在实践中的应用提供了实证支持。
As an active subject in China’s market economy, SMEs play an important role in macro-economy and people’s livelihood. In recent years, to solve the problem of SME financing difficulties, supply chain financing model came into being. The financing model has weakened the information asymmetry between banks and enterprises as well as credit risk, thus effectively promoting the SME financing process. This paper uses the method of linear regression analysis to study the credit financing model of SMEs in the supply chain finance model. The results show that the inventory, accounts receivable, prepayments and other factors required by the supply chain financing model have a significant impact on the ability of debt financing for SMEs. The development of supply chain has provided impetus and vitality to the development of enterprise financing. This provides empirical support for the application of this model in practice.