Abstract
Unlike traditional bank credit, commercial credit can not only optimize capital flow, but also affect the time interval in supply chain. In order to test the relationship between different financing modes of SMEs in supply chain. This paper takes the SMEs as research samples, from the perspective of supply chain, to test the relationship between commercial credit and bank credit. We find that the commercial credit can supplement bank credit. From the perspective of supply chain, we also validate the impact of supply chain concentration on the complementary relationship between commercial credit and bank credit. By building panel data model, we find that supplier concentration weakens the complementary relationship between commercial credit and bank credit, while customer concentration will promote the complementary relationship between commercial credit and bank credit.
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