淺析國際保理在我國外貿企業中的運用現狀及對策

國際貿易論文編號:GM014    論文字數:9386,頁數:15

目   錄

1 國際保理基本介紹 ..........................................2
1.1國際保理基本內容 .........................................2
1.2國際保理的操作 ...........................................3
2 國際保理在我國外貿企業中的運用現狀 ........................4
3 國際保理在外貿企業中發展緩慢的原因分析 ....................5
3.1國際保理在外貿企業中發展緩慢的內部原因分析 ...............5
3.2國際保理在外貿企業中發展緩慢的外部原因分析 ...............6
4我國外貿企業加快開展國際保理業務的策略探討 .................7
4.1對保理的需求方（即出口企業）的建議 .......................8
4.2對保理商（商業銀行）的建議............................... 8
4.3對政府機構的建議......................................... 11
結束語 ......................................................12
參 考 文獻................................................. 14
致謝 ........................................................15

摘    要

      國際保理業務是一項具有眾多優點的現代金融產品，隨著中國金融市場的不斷開放，保理業務也已成熟的外資銀行不斷進入中國，與中國的銀行分享保理這個巨大的蛋糕。
保理業務在我國外貿企業中也得到了較大發展，但與發達國家相比發展相對緩慢，外貿企業思想觀念還沒有轉變，銀行業務水平不高，社會信用體系建設不完善，制約了我國外貿企業的進一步發展。
本文對外貿企業中的國際保理業務進行了研究，發現國際保理在外貿企業中發展緩慢的原因是由于外貿企業、銀行、政府三個方面造成的，要想把國際保理在外貿企業中真正發展起來，為外貿企業謀福利，需要外貿企業、銀行、政府聯合，共同努力，建立國際保理在外貿企業發展中所需要的”軟件”和”硬件”，創造國際保理順利運行的良好環境，從而促進我國經濟更好更快地發展。

【關鍵詞】國際保理  風險管理 信用機制

Abstract

International factoring is a modern financial product combined with many advantages. As the financial market gradually opened to the outer the foreign-funded banks with mature factoring businesses have also come to China to share the big cake--factoring with Chinese banks.
Even though our foreign trade companies have made big progress in the business of factoring, they still have a low progressing speed compared to the developed countries. The foreign companies have a out-of-date idea, the banks haven't got so good business level and our social credit mechanism construction is not perfect. All of them constrain the further development of our foreign corporations.
This paper did some research on the international factoring businesses in the Chinese foreign trade companies and found that it’s the Chinese foreign trade companies, banks and government that make the international factoring business develop slowly. We need our foreign trade companies、banks and government unite together and then the international factoring can be really developed in the foreign trade companies. They have to unite together to create the “software” and hardware” which are needed in the development of foreign trade company’s international factoring business and build a good environment which can make the international factoring run smoothly and promote our economy developed well and quickly.

【Key Words】Factoring; Risk Management; Credit Mechanism