本论文对国际贸易融资进行了基本的理论分析,由我国中小企业国际贸易现
状和其当前所面临融资难的现实情况出发,提出中小企业在国际贸易融资中所遇
到的问题并追究问题根源,通过采用定量分析和定性分析相结合、宏观分析与微
观分析相结合及文献分析的研究方法,通过对搜集到的数据进行描述性统计分析,
对大量文献资料的定性分析,得出中小型进出口贸易企业融资困难的成因,并从
宏观政策、金融体系和中小企业自身素质三个层面进行宏观和微观相结合的分析
探索并最终得出解决中小型进出口贸易企业融资困难须从多渠道出发构建国际贸
易融资体系,从而将问题分析全面化,为论文研究提供准确和实际的理论支撑,
达到论文的研究目标。
本论文的研究目的在于通过阐述国际贸易融资的基本理论,分析我国中小企
业国际贸易现状及中小型进出口贸易企业的融资现状,进而对我国中小企业国际
贸易融资困境的成因进行剖析,从而提出解决方案——要缓解并最终解决我国中
小型外贸企业的国际贸易融资难题,须通过多渠道构建国际贸易融资体系的方法
来实现。只有建立全方位、多层次的国际贸易融资体系,才能改善我国中小企业
目前国际贸易融资困难的状况,从而使我国中小企业的国际贸易竞争力得到进一
步提高。
本论文的创新之处在于联系当前的实际情况,将中小企业目前贸易融资困难
的成因和解决对策贯穿于宏观政策、金融机制和中小企业自身素质三个层面,构
建多层面、全方位的中小企业国际贸易融资体系,以此把国家宏观政策、金融机
制和中小企业自身因素三个方面进行有机的联系,避免单方面或者仅从其中的两
个方面去寻求问题的成因和解决方法,从而导致不能全面准确彻底地认识和解决
问题。任何脱离整个社会经济背景、当前全球经济形势和金融体系机制以及研究
对象自身因素三者之间联系的研究方法都是错误的。在研究我国中小企业国际贸
易融资问题时,必须坚持相互联系不可分割的观点。
本文旨在直面中小企业在国际贸易融资中所遇到的问题并追究问题根源,以
探索并最终提出通过构建宏观政策体系、金融服务体系和中小企业国际贸易融资
发展体系这三大体系来使我国的中小型对外贸易型企业摆脱国际贸易融资困境,
从而使中小企业的国际贸易融资环境得到进一步的改善,保障活跃在国际贸易领
域的中小企业平稳健康的发展,提高我国的对外贸易竞争力。
随着未来我国对外经济的持续发展,中小型企业对于我国对外贸易经济的重要
性将愈加彰显。在未來对这一议题的研究中,建议还应着重推进法制体系、信息
体系、担保体系、产品体系、信用体系和融资渠道体系的持续建设和完善,全方
位的保障中小企业的国际贸易融资发展,满足外向型中小企业强烈的资金需求,
规范国际业务市场秩序和市场环境,保证我国进出口贸易和国民经济的健康发展。
关键词:中小企业国际贸易贸易融资担保信用体系融资体系
ABSTRACT
For a long time, the small and medium-sized enterprises occupy an extremely
important position in our national economy, the development of medium and small
enterprises play a vital role in the economic development of our country. In 2010,China
officially became the world&39;s second largest economic entity, is the core part of global
trade. Among them, the small and medium-sized enterprise is an important force that
cannot be ignored in China&39;s foreign trade development. But at present, the rapid
development of small and medium enterprises has been the funding constraints, trade
financing has become an important problem in most small and medium-sized
enterprises of our country are facing, the appeal is imminent.
This paper analyzes the basic theory of international trade financing, starting from
our country small and medium-sized enterprise international trade situation and facing
the reality of the situation of financing of small and medium-sized enterprises, proposed
encountered in international trade financing problem and investigate the root of the
problem, combined,through the use of quantitative analysis and qualitative analysis and
macro analysis microscopic analysis of combining research methods and literature
analysis, descriptive statistical analysis based on the data collected,a qualitative
analysis of a large number of documents, the small and medium-sized import and export
trade enterprise financing difficult reason, exploration and analysis from the three
aspects of macro policy, the financial system and the ability of medium and small
enterprises in macroscopic and microcosmic combined with and finally solve the
financing difficulties of small import and export trade enterprises shall be from the point
of view of multi-channel construction of international trade financing system, which
will provide accurate and comprehensive analysis of the problem, and the theoretical
support for the thesis research purpose.
The objective of the study is based on the analysis of China&39;s small and
medium-sized enterprises in international trade financing status, and analysis of small
and medium-sized enterprises in international trade financing difficulties, and puts
forward through multiple channels of international trade financing system to alleviate
the way and further solves the small and medium-sized enterprises in international trade
financing predicament, cause our country small and medium-sized enterprise to get rid
of international trade financing difficult situation international trade, improve the
competitiveness of small and medium-sized enterprises in china.
The innovation of this paper is related to the actual situation, the current, will cause
the trade financing difficulties of small and medium-sized enterprises and
Countermeasures in three aspects of macro policy,the financial mechanism, and the
small and medium-sized enterprise own quality, construct multi-level, full range of
small and medium-sized enterprises in international trade financing system, to keep the
national macroeconomic policy, financial mechanism and the small and medium-sized
enterprise own factor three distinct aspects organically, to avoid the causes and solutions
of one-sided separate from the one or two aspects to find problems,resulting in not
comprehensively and accurately and thoroughly understand and solve problems. Study
on the method of contact between any from the social and economic background, the
global economy and financial system and the mechanism of its own object of study
factors of three are wrong. In the study of international trade financing of small and
medium-sized enterprises of our country, must hold to interrelated indivisible viewpoint.
The purpose of this paper is to face the small and medium-sized enterprise
encountered in international trade financing problem and investigate the root of the
problem, to explore and finally put forward to solve the difficulties in financing SMEs
in international trade through the construction of the policy system, financial service
system and small and medium-sized enterprises in international trade financing
development system, so as to improve the international trade of SME financing
environment, development and security active in the field of international trade of small
and medium-sized enterprise stable and healthy, to improve China&39;s foreign trade
competitiveness.
Keywords: The medium-sized and small enterprises; International trade; Trade financing;
Guarantee system; Financing system; Credit system
T i
——
目IJ 5
近年来,伴随大幅提升的科技水平、快速腾飞的中国经济以及我国“走出去”
战略的顺利实行,我国中小型经营规模的企业数量不断增加,得到快速发展。中
小企业的发展不但解决了当地的就业问题,而且对于我国经济全球化和国民经济
的发展有着非常重要的作用。但伴随着我国中小企业的进一步发展,融资资金的
相应支持成为这些企业持续成长的首要条件。但目前根据有关调查显示,我国有
60%的中小型企业认为当前融资难度较大,更有近两成的中小型企业认为在银行获
得融资的可能性极小,甚至近乎为零
==>>