The Influence Of Small And Medium-sized Banks On Financing Of Small And Micro Foreign Trade Enterprises

Small and micro foreign trade enterprises is large in various industries,they are the most dynamic and the most potential market main body,moreover,they are the solid strength of promoting the development of national economy,increasing employment opportunities and expanding international trade.In 2010,China became the world’s second largest economic entity officially,it was the core component of Global trade,small and micro foreign trade enterprises is an important force in the development of China’s foreign trade who cannot be ignored.But,small and micro foreign trade enterprises’ weak status has not been fundamentally improved,especially the trade financing.Trade financing problem becomes the greatest problem of small and micro enterprises in the process of establishment and development.Research of scholars both at home and abroad shows that the credit of banks and other financial institutions are the main and the biggest exogenous financing channels of small and micro foreign trade enterprises.Nowadays,indirect financing is the main body of the economic system in our country,the credit financing occupies the irreplaceable position in the external international trade financing in small and micro enterprises,in some places,the credit financing is only substantive help way of external financing for small and micro foreign trade enterprises.Therefore,to improve the difficulty condition of small and micro foreign trade enterprise financing,we should start from the perspective of bank credit financing.Although there is some dispute between scholars,a large number of studies have shown that small and medium-sized banks can play a more positive and stable effect on dealing with the problem of financing of small and micro foreign trade enterprises.Firstly,this article first reviewed the relevant research results of scholars both at home and abroad,and then it analyzes the small and micro enterprise international trade financing present situation from the characteristics of small and micro enterprises financing and reasons of financing difficulty,then it analyzes experience of solving the problem of small and micro enterprises from the United States,Germany and Japan.In the fifth part of the thesis,this paper firstly introduce the current situation of small and medium sized banks loans to small and micro enterprises,then it analyze the effect of small and medium sized banks loans to small and micro enterprises form financing scale、financing efficiency and financing cost.Finally,the paper used DEA model to verify financing efficiency of the small and medium-sized banks and big banks for small and medium-sized enterprise.In the sixth part,the article takes the Ningbo bank and Min sheng Bank as examples to analyze the small and medium-sized banks to support small and micro enterprises in international trade financing.Finally,according to the previous theoretical and empirical analysis,the paper draws the conclusion and prospects the research results.