中小企业国际贸易融资

中国中小企业国际贸易融资的

问题和对策

院系：经济管理学院

专业班：国贸0703班

姓名：易睿

学号：20071311063

指导老师：黄颖

2011年5月

中国中小企业国际贸易融资的

问题和对策

SMEs in international trade financing problems and countermeasures

国际贸易融资是银行对进出口商提供的与进出口贸易结算相关的放款。它可有效地解决企业从事进出口贸易活动所面临的资金短缺，使之在更大范围和更大规模上发展国际贸易。

随着金融危机过后，我国已然成为世界第二大经济实体，并成为全球贸易的核心组成部分。而国际贸易融资是为国际贸易服务的，国际贸易的发展要求国际贸易融资不断发展和创新，贸易融资业务已在国际贸易中发挥巨大的作用。国际贸易融资不仅是银行面临的主要课题，也是中小企业有效利用金融资源，提高自身在国际市场上影响力和竞争力的重要因素。因此分析和研究国际贸易融资中所存在的问题，对我国广大中小企业如何正确选择和利用的融资方式，以实现最大的融资效益，有效防范和控制融资风险，提高企业竞争力具有现实意义。

基于以上国际贸易融资对于我国中小企业的重要作用，本文着重研究我国中小企业对国际贸易融资方式的应用的问题及对策，通过理论分析，从中小企业国际贸易融资的各个环节流程，分析融资方式现状及存在的问题，总结出我国中小企业存在的融资困境并提出相应的对策措施，以便能更好的促进我国中小企业国际贸易融资难题，提高我国国际贸易竞争力。

关键词：国际贸易融资银行中小企业

International trade financing is loans provided by banks to impoters and exporters in connection with import and export settlement.It can effectively solve the problem of funds shortage which the enterprises have engaged in import and export activities, which can develop international trade.in large scale.

After the financial crisis, China has become the world’s second largest economic entity, and become a core component of global trade.The international trade financing services for international trade. International trade requires the development and innovation of international trade finance, which has played an important role in international trade.International trade financing is not only the key issue which the banks have to face, but also the effecive source for SMEs to use financial resources to improve their influence and competitiveness in the international market.Therefore, it’s practical significant to analyze and research on the problems in international trade financing because it helps SMEs in China to properly select the suitable financing way to achieve the maximum financial benefit, and to effectivelyprevent and control financial risks to improve the competitiveness of enterprises.

International trade financing is so important to SMEs in China that this paper focuses on the problems and countermeasures of international financing by SMEs.Through theoretical analysis on international trade financing process by SMEs, the paper analyzes present situation, present financing difficulties and countermeasures so as to promote international trade financing of SMEs and improve competitiveness of Chin a’s international trade.

Key words: International trade finance bank SMEs

目录

摘要 (3)

Abstract (4)

1 导论 (6)

1.1选题背景与研究意义 (6)

1.2 理论基础与文献综述 (7)

2 中国中小企业国际贸易融资的可行性与现状 (10)

2.1中国中小企业国际贸易融资的可行性 (10)

2.2中国中小企业国际贸易融资的必要性 (10)

2.3金融危机后我国中小企业融资状况 (11)

3 中国中小企业贸易融资问题及成因 (13)

3.1从国家政策角度看我国中小企业国际贸易融资的问题 (13)

3.2 从银行角度看中小企业国际贸易融资的问题 (14)

3.3 从企业角度看中国国际贸易融资的问题 (15)

3.4 造成中国中小企业贸易融资困境的成因 (16)

4 提高中国中小企业贸易融资效应的对策 (19)

4.1政府方面采取的对策 (19)

4.2银行方面采取的对策 (20)

4.3企业方面采取的对策 (22)

致谢 (23)

参考文献 (25)