针对现有供应链金融模式在运作效率、信息沟通以及风险控制等方面的不足,提出中小企业供应链金融新模式;并从关系的接近性、信息的对称性、信任的补偿性和信用风险的可控性四个层面对新模式进行递进式论证;最后以泸州老窖集团为例,比较分析了新模式与现有模式在抵押物范围、融资额度以及融资成本等方面的差别,从而验证新模式的融资优势。
This paper proposed an innovative model of small and medium enterprises which has improved risk control and efficiency of operation compared with traditional models. It disserted the model from four specific aspects,i. e. relationship tightness,information symmetry,credit compensation,and control of credit risk. Finally,it provided a case study of Luzhou Laojiao group to verify the finance advantages of our model by comparing financing facilities and costs in circumstance of two different guarantee forms.