Promoting Small And Medium-sized Foreign Trade Enterprises In International Trade Finance, Countermeasures And Suggestions

Small and medium-sized enterprise is an important constituent in our country's economy. It already became to promote Chinese economy fast to continue, the health development important strength. Small and medium-sized enterprise make the prominent contribution at our country international trade development, according to the customs statistics demonstrated 2005 the foreign trade amount turnover broke through 1000 millions US dollars, achieved 1422.12 millions US dollars, in 2006 the national import and export total quantity amounted to1760.69 millions US dollars, the exportation value of the small and medium-sized enterprise accounted for above 60% of the total export value.However, financing difficult is always one of the factors restricting their further development in recent years. Our country government also took some measures to solve this problem. But for majority small and medium-sized enterprise, especially those developing foreign trade enterprises, financing difficult is the biggest "the bottleneck" in their development. At present, many experts did various researches in small and medium-sized enterprise with financing aspect and put forward many methods, but there are not enough research in the field of accelerating the development international financing of small and medium-sized enterprises.In recent years, with our country international trade development growing day by day, the situation was gratifying, also international trade financing along with it vigorous development. For banks, the international trade financing regarding the low risk and high comprehensive income characters, becomes the key developing point and the middle service new growth spot. For the enterprise, international trade financing pays more attention to the trade background verification, which brings new hope to small foreign trade enterprise.But in actual operation, there are some problems still restricted the development of small and medium-sized foreign trade enterprise financing: the banks do not establish small and medium-sized enterprise financing system, the commercial bank often give the chance to the large enterprise. They are afraid of mid-and small-scale enterprise trade financing, the request was harsh; Also, the small foreign trade enterprise their own strength is limited, can not achieve the banks'financing standard; As well as domestic still lacked the consummation credit system and guaranteed the system of the small and medium-sized enterprise and so on. So many factors had hindered the bank and small international trade enterprise the conjunct development, causing the enterprise to lose the good development opportunity.The present paper in view of the above question, applying theory to reality, has referred to some reports of investigation, utilize economic,management,finance elementary knowledge and the analysis tool on the study, bringing forward some shallow views and the suggestion on promoted international trade financing for small and medium-sized enterprise. This article is composed by five parts:The first part is main narration of international trade financing concept, characteristic and product introduction;The second part through small and medium-sized enterprise status and financing channel analysis, analyzes the necessity and significance of development of international trade financing for small and medium-sized enterprise;The third part cite some reports of investigation to analyze the present situations, problems and causes of international trade financing for small and medium-sized enterprises;The fourth part is the model of developed country developing the international trade financing experience as well as obtains enlightenment;The fifth part is for the present situation, unifying my experience and sense to be engaged in the bank international settlement and the trade financing work for a long time, bring forward some views and the suggestions from the banks, the enterprises and the government angles on promoted international trade financing for small and medium-sized enterprise. I hope the suggestions are helpful to solve the problem and promote the commerce banks'international settlement and financing further development, obtains the enterprise and the bank double wins.