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本文以浙江农信联社这一省内服务小微企业的典型金融机构作
为研究对象。首先通过对其的业务数据分析来反应出口企业客户所面
临的现状。然后进一步比较研究了浙江农信传统贸易融资产品与近些
年新推广的“出口应收账款池融资”、“税微贷”产品的优缺点，并通
过对问卷调查结果和银行数据的分析来阐述此类新融资产品对小微
企业出口业务的影响情况
最终经过研究后得出在新形势下传统贸易融资产品已经不能完
全迎合小微出口企业的需求。而“出口应收账款池融资”产品能够将
企业原本零散的应收账款集中起来，为出口业务具有金额小、频率高
等特点的中小企业提供了统一的滚动式融资；“税微贷”产品则具有浙江工业大学硕士学位论文 浙江省农信联社支持小微企业出口的贸易融资产品比较究
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无需额外的抵押和担保、融资效率高等优势，为缺乏相应抵质押物的
微型企业提供了一条新的融资渠道。这两类产品的推广，较好地满足
了小微出口企业的融资需求，支持了其出口业务的发展。这一结论能
够为其它金融机构在新形势下发展贸易融资业务提供一定的借鉴
关键词：小微企业，出口零散化，浙江农信，出口应收账款池融资，
税微贷浙江工业大学硕士学位论文 浙江省农信联社支持小微企业出口的贸易融资产品比较究
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A Comparative Study Small and Micro Businesses Export
Trade Finance Products of Zhejiang Rural Credit Union
Abstract
In recent years, with foreign trade endowments and comparative advantages are
constantly changing, the development of China&39;s foreign trade into a “new normal”，
which characterized by low growth, innovation and brand driven, frequent trade
frictions. Under the influence of “new normal” foreign trade, cross-broader
e-commerce and other factors, the oversea order of Chinese small and micro export
enterprises are becoming increasingly fragmented. The traditional international trade
financing requires single trade contact for each financing. However, under this
tendency, such operate procedure couldn’t meet the “urgent, frequent and fast”
demand of the small and micro export enterprises. Which makes it harder for the
short-fund small and micro enterprises’running.
Zhejiang rural credit union as a typical financial institutions which services small
and micro enterprises. First of all, this paper analyses its business data to reflect the
current situation of export business customers. Then compares the advantages and
disadvantages between the traditional trade financing products and the newly
promoted export accounts receivable pool financing and tax micro credit products
of Zhejiang rural credit union. By doing questionnaires and analyzing the bank data to
illustrate the impact of such new products on the export business of small and micro
enterprises.
Under the new situation, it turns out that the traditional trade finance products
has been unable to fully meet the needs of small and micro export enterprises.
Accounts receivable pool financing aggregates fragmented receivables and provides
rolling funds for small and medium-sized enterprises. The tax micro loan” products,
with flexible way of security, low threshold, high efficiency advantages, provides a
new financing channels for micro-enterprises. The promotion of these two types of
products to better meet the financing needs of the small and micro export enterprises
and be able to support the development of their export business. This conclusion can
provide some reference for other financial institutions to develop trade financing
business under this new situation.浙江工业大学硕士学位论文 浙江省农信联社支持小微企业出口的贸易融资产品比较究
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KEY WORDS: Small and micro enterprises, Export scattered, Zhejiang rural
credit, Accounts receivable pool financing, Tax micro loan浙江工业大学硕士学位论文 浙江省农信联社支持小微企业出口的贸易融资产品比较究
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目录
摘要 ....I
Abstract ...........III
1 绪论 ..1
1.1 选题的背景 ....1
1.1.1 我国外贸步入“新常态” 1
1.1.2 外贸新常态对小微出口企业融资的影响 1
1.1.3 跨境电商异军突起成为对外贸易的新增长点 ........1
1.1.4 跨境电商业务的发展对小微企业出口融资的影响 ....2
1.2 选题的意义....3
1.3 研究的内容和方法 ..........3
1.3.1 研究内容 ..3
1.3.2 主要研究方法 ..........4
1.4 本文可能的创新之处........4
2 文献综述 ..........7
2.1 长尾理论 ......7
2.1.1“长尾理论”与外贸订单碎片化 .......8
2.1.2“长尾理论”与小微企业融资 .........8
2.2 金融支持对出口业务的影响..9
2.2.1 金融发展水平是比较优势中的重要因素 9
2.2.2 金融支持是出口企业成长的保障 ......9
2.3 我国小微外贸企业融资现状研究 .........10
2.3.1 小微外贸企业的融资需求迫切 .......10
2.3.2 小微外贸企业融资倾向集中于银行贷款 ...........11
2.3.3 小微外贸企业获得银行融资困难 .....11
2.3.4 国内学者对于解决小微外贸企业融资难的问题研究 .12
2.4 文献评述.....13浙江工业大学硕士学位论文 浙江省农信联社支持小微企业出口的贸易融资产品比较究
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3 浙江农信系统小微出口企业生存现状 ..........15
3.1 小微出口企业的评判标准 ...15
3.2 浙江农信系统基本情况介绍 .15
3.3 浙江农信系统小微出口企业现状分析 .....16
3.3.1 小微出口企业数量增长明显，竞争激烈 ...........16
3.3.2 出口企业的海外订单有日趋零散的趋势 ...........17
3.3.3 近五年浙江农信系统小微出口企业国际贸易融资情况 ...........18
3.3.4 浙江农信全省各地区主要出口客户融资需求 .......20
4 浙江农信系统传统出口贸易融资产品的分析 ....23
4.1 国际贸易融资的特点.......23
4.1.1 自我偿付 .23
4.1.2 融资期限短 ...........23
4.1.3 融资风险小、成本低 ...23
4.1.4 准入门槛较低 .........24
4.1.5 融资方式多样 .........24
4.2 浙江农信出口贸易融资主要产品说明.....24
4.3 国际贸易融资产品对浙江农信的影响.....27
4.4 浙江农信通过传统国际贸易融资产品为客户提供资金时遇到的问题 ...28
5 浙江农信系统新形势下出口贸易融资的创新产品分析 ........31
5.1 浙江农信出口应收账款池融资 ...........31
5.1.1 浙江农信出口应收账款池融资的起源与发展 .......31
5.1.2 出口应收账款池融资的优势 .........32
5.1.3 浙江农信出口应收账款池融资的操作流程 .........33
5.2 浙江农信“税微贷”产品 ...34
5.2.1 浙江农信“税微贷”产品的起源与发展 ...........34
5.2.2“税微贷”产品的优势 ..35
5.2.2“税微贷”产品的申请流程 ..........36
6 浙江农信新产品实例应用的比较研究 .........37浙江工业大学硕士学位论文 浙江省农信联社支持小微企业出口的贸易融资产品比较究
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6.1 浙江农信出口应收账款池融资业务实例应用的比较研究.37
6.1.1 基于出口应收账款池融资业务的问卷调查 .........37
6.1.2 针对 10 家试用企业的出口业务数据分析 ..........39
6.1.3 试用企业典型案例分析 .40
6.2 浙江农信“税微贷”业务实例应用的比较研究.........41
6.2.1 基于“税微贷”业务的问卷调查 .....42
6.2.2 针对 27 家试用企业的出口业务数据分析 ..........43
6.2.3 试用企业典型案例分析 .44
7 结束语 ...........47
7.1 研究结论 .....47
7.2 研究展望 .....48
参考文献 .......
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