浙江中小外贸企业的贸易融资问题分析.docVIP

浙江中小外贸企业的贸易融资问题分析 摘 要 近几年来，浙江的中小外贸企业迅速发展壮大，在数量和规模上都得到了长足的发展，在增加就业、拉动经济增长、增加社会收入和促进国际贸易等方面有着不可替代的作用。在中小外贸企业的发展过程中，面临着各种各样的问题，最严重的是资金短缺问题。造成中小外贸企业资金短缺的原因有很多，本文从理论分析角度出发，在分析了浙江省中小外贸企业的贸易融资现状和问题的基础上，用“麦克米伦缺口”理论、关系型融资理论和金融成长周期理论分析了中小外贸企业的贸易融资问题。最后，针对三个理论分析的贸易融资难的原因，结合浙江省的现状，提出了建议。 关键词 浙江；中小外贸企业；贸易融资 Analysis of the trade financing of small and medium-sized foreign trade enterprises in Zhejiang ABSTRACT Small and medium-sized foreign trade enterprises have expanded rapidly for recent years in Zhejiang. They have been developing considerably both in the number and size. And play an irreplaceable role in increasing employment, stimulating economic growth, increasing social income and promoting international trade. There are a variety of problems in the development process of small and medium-sized foreign trade enterprises. The most serious problem is shortage of funds. There are many reasons for the funds shortage. Form the view of theoretical analysis, on the basis of analysis of the current situation and problems of trade financing for small and medium-sized foreign trade enterprises in Zhejiang Province. Using the "Macmillan Gap" theory, the theory of relational financing and financial growth cycle theory analyzing the trade financing problems of small and medium-sized foreign trade enterprises. Finally, against the reasons for the difficulty of trade finance on the base of the three theoretical analyses, combines with the current situation of Zhejiang Province, put forward suggestions. KEY WORDS Zhejiang; small and medium-sized foreign trade enterprises; trade finance 目 录 中文摘要 i 英文摘要 ii 1 引言 1 2 浙江中小外贸企业贸易融资的现状和问题 2 2.1 浙江中小外贸企业的贸易融资现状 2 2.2 浙江中小外贸企业的贸易融资问题 3 2.2.1 贸易融资的对象单一，方式简单 3 2.2.2 贸易融资准入门槛过高 3 2.2.3 缺少风险识别和评估机制 3 2.2.4 担保不足 4 2.2.5 中小外贸企业对贸易融资认识不足 4 3 中小外贸企业贸易融资难的原因 5 3.1 麦克米伦缺口理论和融资难 5 3.2 关系型融资理论和融资难 6 3.3 金融成长周期理论和融资难 6 4 对浙江中小外贸企业贸易融资问题的建议 7 4.1 突破“麦克米伦缺口” 7 4.2 改善“关系型缺口” 8 4.3 适应金融成长周期 9 总 结 10 参考文献 11 引言 中小外贸企业是以出口为导向的各种形式的中小企业。近年来，浙江中