Supply Chain governance level, bank´s perception of the seller and bank credit

Supply Chain Finance (SCF) aims to improve the financial efficiency of the supply chain and substantially reduce the working capital of both buyers and sellers. It allows buyers to extend payment terms while providing sellers access to better financing rates. Most of seller is Small and Medium-sized Enterprises (SMEs), and their financing is an interesting topic in the field of financial innovation. This study was to explore the supply chain governance, and the bank´s perception of the seller effects on bank credit mechanism. In 203 from three bank credit personnel´s survey data of the research results show that supply chain management level have a significantly positive effect on bank credit; through the positive influence on the bank´s perception of the seller, supply chain management level have an indirectly significantly positive influence on bank credit.