Santomero believes that continuous

Santomero believes that continuous value-added is an effective driving force to promote the development of financial intermediary business. This driving force can be realized by reducing costs and continuously innovating financial products. The combination of financial intermediary service and supply chain can provide a broad development space for value-added. According to James B. rice, the possibility of effective integration of financial instruments and supply chain is prospected, and he proposes that financial instruments have been applied to supply chain management. Allen nberger's research enriches the business model of supply chain finance, and thinks that it should be applied to the trade financing environment of small and medium-sized enterprises, so as to alleviate the financing difficulty of small and medium-sized enterprises. His research broadens the research field of supply chain finance. Until 2004, A.N. Berger put forward a new idea about the financing of small and medium-sized enterprises, which made the idea of supply chain finance initially established in the academic circle.