The Research For Small And Medium-sized Enterprises International Trade Financing

Small and medium-sized enterprise(SMEs) is a very important-part to the worldeconomies, It plays an irreplaceable role in contributing to GDP, international tradepromotion, the employment increase. According to the statistical data，small andmedium-sized enterprise has become the most vital "source" in China’s economicdevelopment. Although governments are taking the corresponding policies andmeasures to foster positive development of small and medium businesses, butfinancing constraints is still one of the most important factors in SMEs development.Compared to traditional credit way,international trade financing is more convenientand quick and has lower cost for SMEs. In addition, with a flood of foreign banksafter China’s entry into the WTO, arising of new commercial banks and China’straditional credit market competition tend to be saturated, city commercial Banks areexposed with increasingly intensified competition. How the city commercial banksmake clear its unique position, broaden the operating ideas, and find a place for theirown development,become the focus of attention of the parties. Commercial banks andforeign banks in China all aiming to trade financing area in seeking new businessgrowth. International trade financing will become their new wrestling battleground.The development of trade financing has important strategic significance for the bankto change its business and growth mode.On the basis of reference to the domestic and foreign theoretical results, andanalysis of the relevant data, this paper use theoretical and empirical analysis toanalyse the present situation, problems and causes of SMEs international tradefinancing. Take Anhui province as an example for empirical analysis. In view of thepresent situation and existence problems, this paper from three respects: bank,enterprise and government to solve the problem. Finally make a summary andoutlook. In the face of the fierce competition and opportunity brought by small andmedium-sized enterprise’s prosperous development under national policy support,whether for Internal risk control,development needs, or to cope with the opportunityand challenge form external environment, choosing SMEs which have potential development and market prospect, expanding the SMEs international trade financing,is no doubt the best choice for the city commercial bank to improve financingstructure, dispersed business risk and establish new business growth point. Throughthe joint efforts of the three parties, the problems of SMEs international tradefinancing will gradually be solved, and finally realize the win-win situation of SMEsand commercial banks.