摘要
我国中小型企业国际贸易融资存在银行贷款难、民间借贷较为普遍、多项扶持政策未被充分利用的现状,中小企业国际贸易融资难的原因在于银行审批程序复杂、融资平台效率低、中小企业自身财务管理体系不完善、贸易风险防范措施不完善等。解决我国中小企业国际贸易融资难的途径有构建第三方融资平台、推广1+N产业链融资、P2X融资等。
In China,small and medium sized enterprises,having financing difficulty in getting bank loans,and failed to make full use of government support policies,usually turn to private loans.The difficulties for these enterprises to get bank loans are mainly caused by,on the one hand,the banks’complex vetting process,and inefficiency of financing unit,and on the other hand,by the imperfect financial management and measures against trade risks.Solution to the problem might be the construction of the third party financing unit,the promotion of 1+N financing of industry chain and P2X financing.
作者
刘伟
焦艺歌
LIU Wei;JIAO Yige(College of Economics&Management,Hefei Normal University,Hefei 230061,China;School of International Education,Zhengzhou University,Zhengzhou 450001,China)
出处
《洛阳师范学院学报》
2018年第3期70-73,共4页
Journal of Luoyang Normal University
基金
安徽省高校人文社科研究重点项目(SK2015A471)
合肥师范学院青年基金项目(2015QN30)
关键词
中小企业
国际贸易融资
1+N产业链融资
P2X融资
第三方融资平台
small and medium sized enterprises
international trade financing
1+N Financing of Industry Chain
P2X Financing
the third party financing unit
