Supply chain finance is a financing solution for small and medium-sized enterprises in the industrial chain

value chain and marketing chain. As researches on inclusive finance have not yet formed a unified and complete theoretical framework

its presence is mostly a financial concept and financial ecology. The application of digital and financial technology in supply chain finance provides more application scenarios for inclusive finance

making it possible to combine inclusive finance with supply chain finance. Although theoretical research is full of expectations for the combination of the two

the actual application of inclusive finance and supply chain finance has been difficult. On the one hand

inclusive finance has very vague business boundary and its mission is bound to drift

not only making it fail to achieve the general benefit effect

but also leading to new financial risks. On the other hand

supply chain finance

as a financing solution for small and medium-sized enterprises

may lead to arbitrage through "excessive credit" in the business circles of strong state-owned enterprises. In the business circles of private enterprises

it is difficult for the online and offline operation of the "1+N" model to be widely used because of insufficient credit granted by financial institutions to core enterprises. On the basis of researches on inclusive finance and financial technology

and based on the concept of minimarket trading (MT) ecosystem

the theoretical model of "inclusive finance + supply chain finance" ecosystem is innovatively put forward. The threshold for small and medium-sized enterprises to enjoy financial services has been lowered through government credit enhancement

digital technology

policy empowerment

optimized industrial chain with entrusted payment by core enterprises and credit granted by financial institutions.