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论文编号:GM240 包括:开题报告及任务书,论文字数:10143,页数:14
摘 要
中小外贸企业是我国国民经济中一支重要的力量,是推动国民经济发展、构造市场经济主体、促进社会稳定的重要力量。当前,中小外贸企业在确保国民经济适度增长、缓解就业压力、实现科技兴国、鼓励民间投资等方面均发挥着越来越重要的作用。经过近年来的发展,我国中小外贸企业已经成为国民经济发展的生力军,但是“融资难”问题一直束缚着中小企业的进一步发展壮大。
本文首先从从中小外贸企业贷款难,银行放款难等方面探讨了我国中小外贸企业融资的现状.之后分析了融资难的主客观原因,主要包括中小外贸企业本身特点,担保条件,金融体制,信用体系等方面原因。然后,通过研究出口信用保险的特点,提出了利用出口信用险下的贸易融资这一新型融资方式,同时提出了其它措施,以解决中小外贸企业融资难题。
【关键词】 中小外贸企业;融资;出口信用保险
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.
目 录
引言 ....................................................................2
1 中小外贸企业在我国外贸发展中的地位和作用 ..............................2
1.1 中小出口企业成为产品出口的重要力量 ..................................2
1.2 中小外贸企业的发展有利缓解就业压力 ..................................3
1.3 中小外贸企业推动了各类市场要素的发育和完善 ..........................3
1.4 有利于增强国民经济抵御意外风险的能力 ................................3
2 中小企业融资现状 ......................................................3
2.1 中小企业贷款难...................................................... 4
2.2 银行放款难 ..........................................................5
2.3 直接融资难 ..........................................................6
3 中小外贸企业融资困难的原因............................................ 6
3.1 中小企业自身的特点造成了其融资困难 ..................................6
3.2 中小外贸企业的担保条件难以达到银行要求 ..............................7
3.3 信用歧视............................................................ 8
3.4 金融体制不健全 ......................................................8
4出口信用保险下的贸易融资是解决融资难的一种较好方式..................... 8
4.1 出口信用保险简介.................................................... 9
4.2 短期信用险下贸易融资的特点 ..........................................9
4.3 短期信用险下贸易融资对企业的益处 ....................................10
5 其他配套政策措施 ......................................................11
5.1 企业应加强自身建设,完善内部环境 ....................................11
5.2 大力发展地方性金融机构 ..............................................11
5.3 建立和完善为中小外贸企业融资的信用担保体系 ..........................12
结语 ....................................................................12
参考文献 ................................................................13
致 谢 ..................................................................14