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1、1我国中小企业国际贸易融资问题研究摘 要中小企业对我国国民经济增长具有推动性作用，在我国经济建设内具备重要作用。我国作为环球第二代经济实体，在贸易数额不断提高，其中中小企业在对外贸易开展上具备重要作用。但是现阶段中小企业在开展建立过程中，不断都说资金束缚，贸易融资已经成为大部分中小企业发展建设最重要的成果，满足中小企业发展需求已经我国经济建设首要内容。中小企业本身建立规模就是有限度的，成本储存量较低，和大型企业相比较，本身存在较大漏洞。正式因为中小企业本身存在的疑问，金融机构在对中小企业开展融资过程中，资产审核难度较高，同时中小企业运营风险较高，金融机构所能够享受到的优惠政策数量有限，继而对金
2、融机构在为中小企业提供贸易融资上，积极性较为低下。正式因为中小企业在发展过程中存在融资难问题，进而对中小企业服务贸易融资成果开展剖析研讨，具备重要事现实意义。本文研讨重要内容便是对国际贸易融资理进行分析研讨，理解中小企业国际贸易融资近况，理解中小企业贸易融资难缘由，最终依照中小企业贸易融资存在的困难，对建议针对性见解，有用办理我国中小企业在成长建设过程当中存在的贸易融资问题，推进中小企业可持续发展建设，提升中小企业在国际贸易领域内竞争力。关键词：中小企业；国际贸易；贸易融资；融资体系2AbstractSmall and medium-sized enterprises play an impo
3、rtant role in promoting Chinas national economic growth, and play an important role in Chinas economic development. China as the worlds second generation of economic entities, the amount of trade continues to improve, including small and medium enterprises in the development of foreign trade plays a
4、n important role. But at this stage of the development of SMEs in the construction process, always said that capital constraint, trade financing has become a major problem in the development of the construction of the majority of small and medium-sized enterprises, to meet the requirements of the de
5、velopment of small and medium-sized enterprises have been the main content of Chinas economic construction. Small and medium-sized enterprises own construction scale is limited, the amount of capital storage is low, compared with large enterprises, there is a big loophole. The official because of th
6、e small and medium-sized enterprises have some problems in the financial institutions to small and medium-sized enterprises in the process of financing, asset audit difficulty is higher, while small and medium enterprises operating at higher risk, financial institutions can enjoy preferential polici
7、es and limited number of financial institutions in the provision of international trade financing for small and medium-sized enterprises above, the enthusiasm is relatively low. It is of great practical significance to analyze the financing problems of small and medium-sized enterprises in the proce
8、ss of development, because of the financing difficulties of smes. Analysis on the important content of this paper is to understand the science of international trade financing of small and medium-sized enterprises, international trade financing situation, understand the reasons for the difficulty of
9、 SMEs trade financing, finally according to the problems of small and medium-sized enterprises in trade financing, to put forward opinions, effectively solve the problems existing in the development of trade financing in the process of the construction of small and medium-sized enterprises of our co
10、untry, promote the the construction of the sustainable development of small and medium-sized enterprises, small and medium enterprises to improve the competitiveness in the international trade field.3Key words: The medium-sized and small enterprises; International trade; Trade finance; Financing sys
11、tem4目 录摘 要 .IABSTRACT .II目 录 .III.前 言 .1一、国际贸易融资基本理论分析 .1二、我国中小企业国际贸易融资现状分析 .3（一）我国中小企业国际贸易现状分析 .11、进出口产品结构简单 .12、进出口市场缺少规范秩序 .1（二）我国中小企业国际贸易融资现状分析 .21、中小企业融资需求十分紧迫 .22、中小企业银行融资存在局限性 .2三、我国中小企业国际贸易融资存在的问题与成因 .4（一）我国中小企业国际贸易融资的主要问题 .41、国际贸易融资形式单一 .22、国际贸易融资目的单一 .23、提供融资的组织数目、融资工具欠缺 .2（二）我国中小企业国际贸易融资存
12、在问题的成因 .41、国际贸易融资中企业存在的问题 .22、国际贸易融资中银行存在的问题 .23、国际贸易融资中政府存在的问题 .2四、解决我国中小企业国际贸易融资问题的政策和建议 .4（一）构建中小企业国际贸易融资的国家政策体系 .41、建立保障中小企业贸易融资发展的政府支持体系 .52、创建系统全面的中小企业国际贸易融资服务信用担保体系 .55（二）构建支持中小企业国际贸易融资的金融服务体系 .51、加强对中小企业贸易融资的倾斜力度并实行系统化管理 .22、建立国际贸易融资产品体系，加强国际业务人才培养 .2（三）构建提升中小企业综合实力的国际贸易融资发展体系 .61、提升中小贸易企业整体素质，提高财务管理水平 .62、中小企业自觉维护市场秩序，提升产品竞争力 .6结 论 .9参考文献 .
