本文首先对目前国内外关于链式融资的发展理论进行了梳理，对相关概念进行了
界定。第二部分通过分析外向型中小企业的发展现状指出缺乏资金支持和货物流通是
这些企业面临的最大问题，又通过困境分析得出传统的贸易融资手段已经不能适应社
会发展，给予不了企业及时的资金融通。而这些制约因素在链式融资上可以很好地解
决，并通过详细介绍链式融资具体的运作模式和运用机理以及链式融资与传统贸易融
资的比较得出链式融资的优越性。第四部分是从银行角度基于信用风险评价来对链式
融资进行实证分析。第五部分是提出链式融资在目前运行过程中存在的问题，并针对
相关问题提出对策建议。最后，对文章进行简单总结，对未来进行一下展望。
本文属于针对链式融资在理论基础上的应用型研究，采用了一些较新的数据和案
例，希望能够为解决中小企业融资提供一些思路。
关键词：中小企业 链式融资 国际贸易 风险评价
ABSTRACT
In recent years, domestic and foreign trade environment is worsening. Those
export-oriented SME which has lower risk tolerance is prone to bankruptcy because of
capital chain break. The mobility of capital and goods is the lifeline for the survival of
SME, under the new environment at home and abroad the traditional trade financing can't
escort for export-oriented small and medium enterprises. Therefore, this article focus on a
new type of financing－Supply Chain Financing and conduct detailed analyzes. Compared
with the traditional financing and the empirical analysis based on credit risk perspective,
draw a conclusion that the necessity of using the supply chain financing.
Firstly, taking a simple comb on development theory about supply chain financing in
the current domestic and international countries and defining the relevant concept. The
second part analyzes the development of export-oriented SME status ,indicating that the
lack of financial support and the flow of goods is the biggest problem facing these
enterprises. Through the analysis of the predicament, we know that traditional trade
financing can not adapt to social development and can not give timely financing to business.
The third part is put forward supply chain financing aimed at the limitation of the
traditional trade financing. And introduce the mode of operation and the use of specific
mechanisms of supply chain financing in detail. At last, by compared with the traditional
trade financing and supply chain financing derived the superiority of supply chain
financing. The fourth part is take an empirical analysis to the supply chain financing
through the combination of theory and case based on the Angle of credit. The fifth part is
put forward the current problems in the process of operation about supply chain financing.,
and make its countermeasures and suggestions based on related issues. Finally, the article
has a simply summarize and prospect for the future.
Based on theoretical studies, this paper belongs to applied research about supply
chain financing. It uses some newer data and case, hoping able to provide some ideas to
solve SME financing.
Keywords: SME supply chain financing international trade risk assessment
==>>