中小企业如何进行贸易融资(汇丰银行)
合集下载
相关主题
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
Trade Financing for SMEs 中小企业贸易融资
Kelvin Au,THreaddoef FBuinsiannescsinBganfkoinrgSMEs
Commercial Banking HSBC Bank (China) Company Limited Kelvin Au，汇丰银行（中国)）工商金融服务部企业银行经理
• Financing: Without Letters of Credit (L/Cs) and other documentary trade instruments, SMEs have to rely more on balance-sheet strength and collateral to obtain bank finance. 融资：由于缺乏信用证和其它单证贸易工具，中小企业得更多地依赖资产负债表的 实力和抵押品来获得银行融资。
Exports ASEAN Exports World
2
Growth in Open Account Trade 记账贸易的增长
• More big buyers emerged along the way and open account trade has become
more common in international trade. The trend is reflected partly in the growth in factoring volume. 众多大买家的出现，使记账贸易在国际贸易中越来越常见。保理 业务量的增长也反映了这一趋势。
• Collection and ledger management: Documentary trade is settled through banks with clearly stipulated responsibilities. However, final settlement of open account trade relies more on SMEs’ capabilities in managing receivables. 托收与总账管理：单证贸易通过银行来结算，双方责任有明确界定。记账贸易的最 终结算，则更多地依赖中小企业管理应收帐款的能力。
1,500
1,640
1,925
Vietnam
0
0
0
0
0
2
16
Total 69,276 75,338 69,235 88,672 111,137 134,645 148,376
3
Implications to SMEs in Asia Pacific as Suppliers
对亚太地区作为供应商的中小企业的启示
900 800 700 600 500 400 300 200 100
0
ቤተ መጻሕፍቲ ባይዱ
2001
Trade Volume Export 2001-2006
2001-2006年的出口贸易额
14,000 12,000 10,000 8,000 6,000 4,000 2,000 0
2002 2003 2004 2005 2006
The Growth of Factoring Volume in Asia 亚洲保理业务量的增长
Asia (in EUR m)
亚洲（百万欧元）
2000
2001
2002
2003
2004
2005
2006
China
212
1,234
2,077
2,640
4,315
5,830
14,300
Hong Kong
2,400
• Buyer risk: Payments are not guaranteed even if a supplier has duly performed its duty (unless it is payment in advance). 买家风险：即便供应商充分履行了其职责，也不能保证付款（除非是预付款）。
2,690
3,029
3,250
4,800
7,700
9,710
Indonesia
3
0
1
1
0
1
50
India
470
690
1,290
1,615
1,625
1,990
3,560
Japan
58,473
61,566
50,380
60,550
72,535
77,220
74,530
Malaysia
585
842
610
718
4
Implications to Trade Financing for SMEs
对中小企业贸易融资的启示
• Cash Flow financing vs Balance Sheet financing 现金流融资 VS 资产负债表融资
• Knowledge in trade finance is waning among SMEs and some local banks (some even do not see trade finance as bank lending) 中小企业和一些地方银行对贸易融资的了解在逐渐减少（一些人竟认为贸易融资不属 于银行贷款）。
Kelvin Au
June 2009, ShanHgehaadi of SME Business HSBC (China) Limited
1
Growth in International Trade 国际贸易增长
• International trade has been growing fast in the last decade, although a little retreat is expected after the recent global financial crisis. 最近的全球金融危 机导致贸易额小幅缩水；但是过去十年来，国际贸易一直在快速增长。
730
532
480
Singapore
2,100
2,480
2,600
2,435
2,600
2,880
2,955
South Korea
115
85
55
38
32
850
850
Taiwan
3,650
4,511
7,919
16,000
23,000
36,000
40,000
Thailand
1,268
1,240
1,274
1,425
(Billion dollars) 十亿美元
Exports ASEAN 东盟出口
Exports World 全球出口
2001
2002
2003
2004
2005
2006
387.6 407.4 474.8 568.9
655.2
770.0
6,187.0 6,487.0 7,580.0 9,210.0 10,472.0 12,083.0
Kelvin Au,THreaddoef FBuinsiannescsinBganfkoinrgSMEs
Commercial Banking HSBC Bank (China) Company Limited Kelvin Au，汇丰银行（中国)）工商金融服务部企业银行经理
• Financing: Without Letters of Credit (L/Cs) and other documentary trade instruments, SMEs have to rely more on balance-sheet strength and collateral to obtain bank finance. 融资：由于缺乏信用证和其它单证贸易工具，中小企业得更多地依赖资产负债表的 实力和抵押品来获得银行融资。
Exports ASEAN Exports World
2
Growth in Open Account Trade 记账贸易的增长
• More big buyers emerged along the way and open account trade has become
more common in international trade. The trend is reflected partly in the growth in factoring volume. 众多大买家的出现，使记账贸易在国际贸易中越来越常见。保理 业务量的增长也反映了这一趋势。
• Collection and ledger management: Documentary trade is settled through banks with clearly stipulated responsibilities. However, final settlement of open account trade relies more on SMEs’ capabilities in managing receivables. 托收与总账管理：单证贸易通过银行来结算，双方责任有明确界定。记账贸易的最 终结算，则更多地依赖中小企业管理应收帐款的能力。
1,500
1,640
1,925
Vietnam
0
0
0
0
0
2
16
Total 69,276 75,338 69,235 88,672 111,137 134,645 148,376
3
Implications to SMEs in Asia Pacific as Suppliers
对亚太地区作为供应商的中小企业的启示
900 800 700 600 500 400 300 200 100
0
ቤተ መጻሕፍቲ ባይዱ
2001
Trade Volume Export 2001-2006
2001-2006年的出口贸易额
14,000 12,000 10,000 8,000 6,000 4,000 2,000 0
2002 2003 2004 2005 2006
The Growth of Factoring Volume in Asia 亚洲保理业务量的增长
Asia (in EUR m)
亚洲（百万欧元）
2000
2001
2002
2003
2004
2005
2006
China
212
1,234
2,077
2,640
4,315
5,830
14,300
Hong Kong
2,400
• Buyer risk: Payments are not guaranteed even if a supplier has duly performed its duty (unless it is payment in advance). 买家风险：即便供应商充分履行了其职责，也不能保证付款（除非是预付款）。
2,690
3,029
3,250
4,800
7,700
9,710
Indonesia
3
0
1
1
0
1
50
India
470
690
1,290
1,615
1,625
1,990
3,560
Japan
58,473
61,566
50,380
60,550
72,535
77,220
74,530
Malaysia
585
842
610
718
4
Implications to Trade Financing for SMEs
对中小企业贸易融资的启示
• Cash Flow financing vs Balance Sheet financing 现金流融资 VS 资产负债表融资
• Knowledge in trade finance is waning among SMEs and some local banks (some even do not see trade finance as bank lending) 中小企业和一些地方银行对贸易融资的了解在逐渐减少（一些人竟认为贸易融资不属 于银行贷款）。
Kelvin Au
June 2009, ShanHgehaadi of SME Business HSBC (China) Limited
1
Growth in International Trade 国际贸易增长
• International trade has been growing fast in the last decade, although a little retreat is expected after the recent global financial crisis. 最近的全球金融危 机导致贸易额小幅缩水；但是过去十年来，国际贸易一直在快速增长。
730
532
480
Singapore
2,100
2,480
2,600
2,435
2,600
2,880
2,955
South Korea
115
85
55
38
32
850
850
Taiwan
3,650
4,511
7,919
16,000
23,000
36,000
40,000
Thailand
1,268
1,240
1,274
1,425
(Billion dollars) 十亿美元
Exports ASEAN 东盟出口
Exports World 全球出口
2001
2002
2003
2004
2005
2006
387.6 407.4 474.8 568.9
655.2
770.0
6,187.0 6,487.0 7,580.0 9,210.0 10,472.0 12,083.0