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贸易融资是指在以贸易为背景下银行对进口商或出口商提供的各种融资手段。是企业在贸易过程中运用各种贸易手段和金融工具增加现金流量的融资方式。自2000年我国加入WTO以来,我国的国际贸易得到长足的发展。中国与越来越多的国家建立了贸易合作伙伴关系。随着我国和贸易全球化的日益融合,国际业务量的持续增大,企业规模的不断扩张,企业尤其是中小型企业对融资的需求不断加强。但是由于规模和资信度的限制,中小企业的融资受到了很大部分的限制。下面本文就从以上几个方面论述中小企业贸易融资的风险以及其防治问题。
Trade finance refers to various means of financing that banks provide to importers or exporters in the context of trade. It is a financing method that enterprises use various trade means and financial instruments to increase cash flow in the course of trade. Since China joined the WTO in 2000, China’s international trade has enjoyed considerable development. China has established trade cooperation with more and more countries. With the increasingly integration of our country with the globalization of trade, the continuous increase of the international business volume and the continuous expansion of the scale of enterprises, the demand for financing by enterprises, especially small and medium-sized enterprises, has been constantly strengthened. However, the financing of SMEs has been largely limited due to the limitation of scale and creditability. The following article discusses the above aspects of SME trade financing risks and their prevention and treatment issues.