改革开放30年来，中小企业在国民经济中扮演着重要的地位，然而融资难的问题一直困扰着中小企业的发展，供应链金融为融资困难的中小企业提供了一种全新的融资途径。通过研究了供应链金融模式下中小企业的信用风险，构建出主体评级与债项评级相结合的评价体系，运用层次分析法和灰色综合评价法，并通过实例比较供应链金融与传统商业信贷模式下中小企业的信用水平，结果表明供应链金融在一定程度上缓解了中小企业的融资困境。%Review reforming and opening 30 years, small and medium enterprises play an important role in the national economy. However, the healthy developments of small and medium enterprises are puzzled by fund shortage all the time. Meanwhile, supply chain finance is able to provide a nearly new financing channel to these small and medium enterprises. In this thesis, small and medium enterprises credit based on supply chain finance is discussed. In addition, an admixture of overall and debt ratings evaluation system is constructed. Comparing with the traditional commercial credit model, we use ana-lytic hierarchy process and grey comprehensive appraisement to estimate credit levels of small and me-dium enterprises. Analysis show that supply chain finance would relieve fund shortage of small and me-dium enterprises to some extent.
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