中小外貿企業融資與出口信用保險初探

國際貿易論文編號:GM240  包括:開題報告及任務書,論文字數:10143,頁數:14

目   錄

引言 ....................................................................2
1 中小外貿企業在我國外貿發展中的地位和作用 ..............................2
1.1 中小出口企業成為產品出口的重要力量 ..................................2
1.2 中小外貿企業的發展有利緩解就業壓力 ..................................3
1.3 中小外貿企業推動了各類市場要素的發育和完善 ..........................3
1.4 有利于增強國民經濟抵御意外風險的能力 ................................3
2 中小企業融資現狀 ......................................................3
2.1 中小企業貸款難...................................................... 4
2.2 銀行放款難 ..........................................................5
2.3 直接融資難 ..........................................................6
3 中小外貿企業融資困難的原因............................................ 6
3.1 中小企業自身的特點造成了其融資困難 ..................................6
3.2 中小外貿企業的擔保條件難以達到銀行要求 ..............................7
3.3 信用歧視............................................................ 8
3.4 金融體制不健全 ......................................................8
4出口信用保險下的貿易融資是解決融資難的一種較好方式..................... 8
4.1 出口信用保險簡介.................................................... 9
4.2 短期信用險下貿易融資的特點 ..........................................9
4.3 短期信用險下貿易融資對企業的益處 ....................................10
5 其他配套政策措施 ......................................................11
5.1 企業應加強自身建設，完善內部環境 ....................................11
5.2 大力發展地方性金融機構 ..............................................11
5.3 建立和完善為中小外貿企業融資的信用擔保體系 ..........................12
結語 ....................................................................12
參考文獻 ................................................................13
致  謝 ..................................................................14

摘   要

    中小外貿企業是我國國民經濟中一支重要的力量，是推動國民經濟發展、構造市場經濟主體、促進社會穩定的重要力量。當前，中小外貿企業在確保國民經濟適度增長、緩解就業壓力、實現科技興國、鼓勵民間投資等方面均發揮著越來越重要的作用。經過近年來的發展，我國中小外貿企業已經成為國民經濟發展的生力軍，但是“融資難”問題一直束縛著中小企業的進一步發展壯大。
本文首先從從中小外貿企業貸款難，銀行放款難等方面探討了我國中小外貿企業融資的現狀.之后分析了融資難的主客觀原因，主要包括中小外貿企業本身特點，擔保條件，金融體制，信用體系等方面原因。然后，通過研究出口信用保險的特點，提出了利用出口信用險下的貿易融資這一新型融資方式，同時提出了其它措施，以解決中小外貿企業融資難題。

【關鍵詞】 中小外貿企業；融資；出口信用保險

ABSTRACT

Small and medium-sized foreign trade enterprises are an important strength of national economy in our country, pushing the development of national economy, constructing the main body of market economy and promoting the stable of social foundation. At present ,the Small and medium-sized foreign trade enterprises possess a more and more important function in insuring national economy to increase, alleviating employment pressure, carrying out building the nation with science and technology appropriately, encouraging folks investments etc. Through several years development recently, Small and medium-sized foreign trade enterprises have already become a vital part of national economy development in our country, but the financial problems have deeply effected the further development of these enterprises. The biggest challenge which the small and medium-sized foreign trade enterprises have to face is their difficulties in raising funds。
This article studies the current loan situation to which the small and medium-sized foreign trade enterprises face on the bank and themselves and others firstly. Then analyze the main reasons why they have difficulties in financing.  It dues to  the characteristic of the enterprises themselves, the guarantee condition, the system of finance and Credit system etc. At last, bring up a new model financing way by studying the characteristics of the export credit insurance of making use of almost lower outlet credit trade financing and other measures have been brought forward to resolve the problems of financing difficult in small and medium-sized foreign trade enterprises. 

【key words】Medium-and-small foreign trade enterprise; Financing; Export credit insurance.