The Feasibility Of City Commercial Bank's Support To The SMEs International Trade Financing And Its Risk Defense

The small & middle-sized enterprises (SMEs) is main body of very country development now, itplays an important role ineconomic society, who can give an impetus to GDP, increase employment,enhanceexports, and enrich property structures. From some statistic, The SMEs has been became themain force, and governments are all take action to sustain the SMEs development.But the same problem is the puzzle between enterprises and banks. For one hand, Thecommercial banks own a great quantity of liabilities but dare not grant loans due to several reasons; onthe other, The SMEs can't get adequate capital support from banks or other financial organizations.The dilemma of SMEs financing has given rise to high attention from all of the governments.Especially in China. This dissertation devotes major efforts to systematically study the SMEs'financing dilemma and try to fill in the gap between enterprises and city commercial banks bydevising new SMEs and banks' relationship, in a bid to resolve the problem. From theory to practice, bydetail examples, from the problems and the reasons to the resolvent, the author signed out: facing thekeen competition and the stern challenge, it is the most realistic wise choice for the city commercialbank that it should develop the international trade financing of small and medium-sized enterprise andhunt for the small and medium-sized customer regardless of for its own internal development or for theexternal environment, the city commercial bank must strengthen the policy-type market location that isservice for the local economy, for the small and medium-sized enterprises and for the city residents.The banks have to devote to making a bank brand for the small and medium-sized enterprises, thencan seek their suitable development spaces in the multitudinous financial organ competition, thus theymay survive and be in development. Otherwise they will fall into the fight for customers withoutcertain goals, and lose their competitive advantages, accordingly will be eliminated by the market.This article aims to the present situation of the small and medium-sized enterprise which financeshard and the city commercial bank. According to the market localization theory, the signature and thefeasible factor analysis of the international trade financing service of developing the small andmedium-sized enterprise to the city commercial bank, comes to the conclusion that many city commercial banks have actual feasibility and special superiority by vigorously support theinternational trade financing service development of the local small and medium-sized enterprise. Atthe same time, it analyzes the banks' risk of international trade financing service afforded to the smalland medium-sized enterprise, and then boldly brings forward the thought and countermeasure tofinancing small and medium-sized enterprise by city commercial bank. Thus, the city commercialbank can comply with the economical tidal current, and through giant financing the international tradeservice to the small and medium-sized enterprise with the scientific risk service guard, it shall realizethe win-win for both the bank's financing and the developing of the small and medium-sized foreigntrade firm!...