The analysis of the supply chain financing model based on the accounts receivable

This paper introduces the concept of the supply chain financing model based on the accounts receivable, and puts forth a mathematical model about the calculation of loan limit, loan term, pledge rate, and loan rate. The model is mainly influenced by three factors: the type of the accounts receivable, the core enterprise´s credit and the core enterprise´s operation condition. This article analyzes these factors in detail, and brings forward a simple computational model which is suit for the core enterprise and the suppliers who have long-term good cooperation. The supply chain financing model can provide capital support for SMB and control risk effectively, so it will have a good prospect.