Study On Banks Expanding Trade Financing To Small And Medium-sized Enterprises

The enlarging import-export trade scale's of China,which not only contributes to the expansion of international trade financing but also provides the advantage for the bank to develop the trade financing business.At the same time,the Small and medium-sized enterprises(SMEs) play a important role in the national economy, contribution from small and medium-sized enterprises accounted for 60 percent of the national GDP and more than 75 percent employment opportunity.But the shortage of capital is hampering the development of SMEs.By analyzing the real data,this thesis starts from the development trend of international trade financing,demonstrates the status and the problem of the international trade financing in China,argues the difficulties in financing business of the bank,combines the business of foreign bank in China which is facing to SMEs, points out the issue which should pay attention to and the direction of development.The main conclusions are:As the growth of China's small and medium-sized foreign trade enterprises,the country continue to adjust economic policy,and commercial banks increased competition,whether the risk control,profitability,service requirements,the capacity of sustainable development,international trade financing,as well as the stability of business development set up new business,and the efficiency of growth, to develop small and medium-sized commercial bank customers are undoubtedly the most realistic choice.Substantial influx of foreign banks has brought opportunities and challenges for the development of China's banking industry.China's banks should absorb and learn from foreign banks to carry out small and medium-sized business in trade finance experience,reform and innovation to strengthen its competitiveness.Banks should trade financing for small and medium-sized enterprises,the establishment of the department of trade and finance which specialized trade finance small and medium-sized businesses to promote the development of recycling business processes,improve efficiency,speed up the trade finance products and technological innovation,reform and improve the existing risk management methods, quality customer manager,expand trade financing customer base.National Government should take appropriate measures to improve the system financial support for small and medium-sized enterprises,and the government should strengthen regulations and industry construction supervision,give strong support for banks.