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数据显示,目前全球国际结算方式信用证只占20%,其余基本是贸易融资,而信用证项下也有一部分属于贸易融资。另一项统计是,国际货物贸易合同中,70%为赊销,先发货后结账,因此进出口业务资金需求强劲。麦肯锡香港分公司董事安振镐(jiames ahn)披露,1999年,亚洲最为广泛的结算方式是信用证。但到了2005年,在中国内地、香港和台湾地区、印度、韩国之间,往来账户贸易融资已被用于55%的进口以及70%的出口。诸如备用信用证和跟单托收等传统贸易方式正缓慢但稳步地让位于往来账户贸易融资和单证审核下的国际汇兑形式。同样,信用证担保的出口融资正转变为基于采购订单的卖方融资。中国大陆这种状况尤为突出,货币政策从紧、央行加息、人民币升值、国际贸易壁垒等,更在资金大山上层层加码。让中小进出口企业不堪重负。目前在中国正式注册的中小企业已超过1000万家,占全国企业总数的99%,中小企业创造的进出口贸易额占比超过60%。为此。本刊特别组织中小企业贸易融资专题,与读者一起寻求缓解资金难题的良策。
Data show that the current global international letter of credit accounts for only 20% of the settlement, the rest is basically trade finance, credit and under the part of the trade finance. Another statistic is that 70% of contracts for the international trade in goods are on credit and are settled after delivery. Therefore, there is a strong demand for funds for the import and export business. Jiames ahn, a director at McKinsey & Company’s Hong Kong office, disclosed that in 1999, Asia’s most widely settled settlement was a letter of credit. But by 2005, current account trade finance had been used for 55% of imports and 70% of exports between mainland China, Hong Kong and Taiwan, India and South Korea. Traditional trading methods, such as standby letters of credit and treasury bills, are slowly but steadily giving way to international forms of exchange under current account trade finance and document validation. Similarly, export financing secured by letters of credit is becoming a seller’s financing based on purchase orders. This situation is particularly prominent in mainland China, tight monetary policy, the central bank to raise interest rates, the RMB appreciation, international trade barriers, etc., but also in the capital mountain layers above the yard. For small and medium import and export enterprises overwhelmed. At present, there are more than 10 million SMEs officially registered in China, accounting for 99% of the total number of enterprises in the country. The import and export volume created by SMEs accounts for more than 60%. to this end. Our special organization of SME trade finance topics, together with the reader seeking ways to alleviate financial difficulties.