贸易融资在满足企业资金现实需求的同时,对银行授信管理质效提升同样具有重要意义。贸易融资是银行运用结构性短期融资工具基于企业特定商品与服务交易中的存货、应收账款、预付款等资产所提供的融资服务,是紧密围绕国内外贸易流程而提供的一系列表内外融资。贸易融资业务增强了企业间供应链紧密度,同时也增强了银行对企业贸易支持的针对性与可控性,使银行信贷资金安全得到必要保证。银行不再单纯看重企业的财务报表,也不再单独评估单个企业的状况,而是更加关注商品、交易对手、市场 Trade financing to meet the real needs of corporate finance at the same time, the bank credit management to improve the quality of the same is of great significance. Trade financing is a series of financial services provided by banks using structural short-term financing tools, such as inventories, accounts receivable, prepayments and other assets based on enterprise-specific goods and services transactions. Financing. Trade finance business has strengthened the supply chain tightness among enterprises, and at the same time, it has also enhanced the pertinence and controllability of banks in trade support to enterprises, and ensured the security of bank credit funds. Instead of focusing solely on the company’s financial statements, banks are no longer alone assessing the status of individual firms, but instead focus more on commodities, counterparties, markets