金融危机和债务危机后，全球经济增长乏力，以赊销为主的贸易支付方式进一步加重了中小外贸企业的资金负担，无论是应收款的买家风险，还是波动加剧的汇率风险，都促使企业寻求提高财务效率的有效途径，特别是外向型的中小企业。实施供应链融资满足中小贸易企业的融资要求具有重要的现实意义。供应链融资作为涵盖传统流动资金贷款、国际贸易融资以及相关负债、中间业务的整合性概念，具有适应变化的市场环境和中小企业的迫切融资要求的旺盛生命力。将传统贸易融资置于供应链背景下，根据目前中小贸易企业实施供应链面临的问题，探讨其发展的生态环境，构建适合中小企业的供应链融资体系，将有助于中小贸易企业更好地享受银行高效增值服务，增强其抗风险能力和竞争力。% After the financial crisis and the debt crisis, the global economic growth slows down obvious-ly, and more and more sales concluded on O/A terms further aggravate the financial burden of the small and medium-sized foreign trade enterprises, where both the buyers’risk from the account receivables and the changing exchange rate risks are prompting SMEs to seek effective ways to improve financial ef-ficiency, especially for export-oriented SMEs. The implementation of supply chain finance to meet the needs of SMEs financing requirements has important practical significance. The concept of supply chain finance, which integrates the traditional liquidity loans, international trade financing and related liability and intermediate businesses together, has great developing potential to meet the changes in market environment and the urgent financing needs of SMEs. By putting traditional trade financing in the background of supply chain finance, we firstly studied the problems faced by SMEs when imple-menting supply chain finance, then discussed t the ecological environment for its development, and fi-nally constructed the supply chain financing system suitable to SMEs, which would help SMEs better enjoy the high value-added services provided by commercial banks and in turn would greatly enhance their anti-risk ability and competitiveness in the world trade arena.
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