Research On Trade Finance Of The Export-oriented Small And Medium-sized Enterprises In China

Export-oriented small and medium-sized enterprises (SMEs) plays an important role in the economic development of our country. But in recent years, the growth rate of import and export trade appeared a downward trend in China. In the fierce international trade market, how to solve the difficult problem of trade finance of export-oriented SMEs has become a crucial moment. But in the face of various problems of export-oriented SMEs itself. Banks and other financial institutions are reluctant to loan to SMEs. Make the SMEs face to more severe difficulties in financing. At this time, Trade finance not only relieve the tense problem of enterprise funds, but also can help enterprises to avoid all kinds of potential risks, such as foreign exchange risk and credit risk. In order to promote the development of trade finance in China and promote the growth of export trade.This paper significantly analyzes the present situation and existing problems of trade finance of export-oriented SMEs in China. And analyzes the cause of the problem of trade finance of export-oriented SMEs in China. There are both the internal reasons for their own and the external reasons such as not enough support of financial institutions and government policy. Then to analyze the characteristics and risk of some traditional trade finance methods and new trade finance methods. Afterwards, to choose different ways of trade finance methods according to different types and different stages of trade finance needs of export-oriented SMEs. Finally, on the basis of above analysis, combined with the actual situation of our country. Furthermore, sums up the countermeasures and suggestions to promote the development of trade finance of export-oriented SMEs in China. Put forward relevant countermeasures and suggestions from the small and medium enterprises themselves, financial institutions and government aspects respectively. It has a certain theoretical value and practical significance for the development of trade finance of export-oriented SMEs.