Financing difficulty of small and medium-sized enterprises has always been a major difficulty in their development. Small and medium-sized enterprises are prone to cash flow tension or even breakage because of their small scale. Therefore, how to revitalize funds has become the most concerned issue for SMEs. Supply chain finance is based on the real transaction background of supply chain. It is different from the traditional bank lending in the past, and can better solve the financing difficulties of small and medium-sized enterprises caused by unstable operation, lack of credit and lack of assets.

Traditional bank loans make a static analysis of the past financial information of enterprises, and make credit decisions based on the isolated evaluation of credit subjects. Therefore, banks do not know the real operating conditions of SMEs. On the contrary, supply chain finance evaluates the credit status of the whole supply chain and strengthens the structural control of the debt itself. On the premise of real transactions, supply chain finance makes up for the lack of credit of small and medium-sized enterprises with the information advantages of large enterprises, thus comprehensively improving the credit level and credit ability of small and medium-sized enterprises in the industrial chain. The essence of supply chain finance is credit financing, and credit is found in the industrial chain.

At present, supply chain finance belongs to emerging finance. Whether supply chain finance can be done well is directly related to service enterprises' understanding of the industry, their ability to control risks and their strategic cooperation with banks. For example, the supply chain finance of Yuntu is centered on risk control and big data management capabilities. To carry out supply chain finance, we must have comprehensive abilities such as understanding the industry, understanding the financing methods, identifying risks and designing financial products and schemes. Data theory and port theory are not enough.