Try the financing of industry of small foreign trade is difficult analysis in talking and countermeasure

1、 try the financing of industry of small foreign trade is difficult analysis in talking and countermeasure paper keyword: in the way to deal with a situation of market of credit of channel of financing of industry of small foreign tradetalk article summary: in financing of industry of small foreign t

2、rade is difficult it is to puzzle the real problem that the industry survives and develops, in current deposit reserve ratio already moved the history the most exalted, below the situation with constrictive bank credit, this one problem is highlighted once more. the article is on the foundation of t

3、he financing characteristic of enterprise of small foreign trade in analysing our country, the financing of industry of small foreign trade is difficult reason in be opposite undertakes economics is unscrambled, put forward corresponding settlement countermeasure. one, in the financing characteristi

4、c of enterprise of small foreign trade(one) capital requirement dimensions small, time is urgent, demand is strongin the characteristic of oneself of enterprise of small foreign trade decided its financing demand and big company are different, its financing basically is used at buying raw material,

5、semi-manufactured goods and inventory goods and commerce to manage the circulating fund that needs in the activity to wait. client of the abroad after financial crisis is lengthened generally pay time, receive the time difference that collect plus settlement of exchange, the capital have enough to m

6、eet need that gives exit the company causes very great difficulty. accordingly, in the amount of loan of capital requirement existence of enterprise of small foreign trade small, time urgent, frequency is tall and random sex is big wait for a characteristic. be in the enterprise of fast growing phas

7、e especially, very intense to the demand of capital. (2) outside financing channel basically is bank loanin enterprise of small foreign trade is very inaccessible appear on the market standard and obtain direct financing, and the open rate of bond market is low, issue a requirement extremely strict.

8、 current, the bond financing of our country is confined to large company, and be given priority to with state-owned company, in be opposite feasibility is not had enterprise of small foreign trade. because this has the kind of direct financing through capital market,come true basically hard. so, com

9、pany of small foreign trade is outside in undertaking through the financial orgnaization such as the bank indirect financing is become the main avenue of financing. (3) folk is leasehold it is medium the complement of capital of company of small foreign tradefolk is leasehold arisen it is the phenom

10、enon with the peculiar place in process of transition of our country economy, it is with “ 3 predestined relationships “ (predestined relationship of consanguineous, ground, industry predestined relationship) the relation that is a foundation is leasehold. because hasten of central bank monetary pol

11、icy is close this year, a lot of in company of small foreign trade can go folks leasehold channel only, make the civilian leasehold market that jiang zhe leads more active. civilian leasehold procedure is very simple, need to make pledge with house property only, can obtain fund very quickly, see a

12、pressing need. but the accrual of high specified number is caused in cost of financing of industry of small foreign trade rises, the reimbursement accrual of tall look forward to causes catenary of capital of medium and small businesses extremely easily to rupture, in letting, enterprise of small fo

13、reign trade flinchs. 2, in the case study with difficult financing of industry of small foreign tradethe place on put together is narrated, channel of financing of industry of small foreign trade is relatively onefold in can seeing, according to wuhan city an investigation of cooperative bank shows,

14、 those who have 72.5% is medium the financing channel that proprietor of an enterprise of small foreign trade wants is bank loan. but, the bank is only willing “ draw near big money “ , be willing credit “ wholesale “ , and do not be willing “ retail “ . this kind of loan “ discrimination “ the phen

15、omenon makes in the difficulty that enterprise of small foreign trade obtains loan is increased ceaselessly. and the loan of the bank “ discrimination “ come from the both sides of supply and demand at credit capital market, namely bank and enterprise two respects reason. (one) credit market furnish

16、s square: commercial bankthe bank is the organization that seeks profit, stem from the consideration of security and profitability, to realize a profit the biggest change, can be in extend actively loan while pay attention to risk control, reduce cost as far as possible. at present the commercial ba

17、nk is superintended in the risk be on guard the respect formed wholer system, introduce incentive mechanism credit management. the credit system of job responsibility of the commercial bank and bad loan are found out make the risk management system with credit capital fund, in making the bank is not

18、 willing to borrow money enterprise of small foreign trade. specific reason expression is: 1, venture gains asymmetry. the monetary policy of the central bank (on tone deposit reserve is led, put loan interest rate and rediscount interest rate to wait) make credit resource is in rare be short of con

19、dition. the commercial bank is using limited credit natural resources to seek profit the biggest in the course that change, inevitable demand earnings is more than place susceptive risk. as a result of in the unit venture coefficient that the unit venture coefficient of enterprise of small foreign t

20、rade is more than large company and high grade project commonly, because this is in credit natural resources is scarce be short of and ensure below the premise of credit asset quality, the commercial bank can favore the project of low risk, high income and enterprise necessarily, it is difficult tha

21、t in causing, financing of industry of small foreign trade appears. because inflation brings about raw material to rise in price, labour force rises in price and the rmb appreciates continuously in waiting for an element to weaken space of profit of company of small foreign trade, the bank puts borr

22、owed risk sex to also increase accordingly. this year the central bank is increased 3 times put loan standard interest rate, after controlling credit dimensions, the bank is not willing to borrow money more in enterprise of small foreign trade. 2, cost proceeds asymmetry. examine and approve in cred

23、it business before passing, the bank needs to undertake to the enterprise the risk is evaluated, as a result of the assessment to medium and small businesses cost should compare big company tall, but profit is less than big company however. accordingly, commercial bank to seek profit the biggest cha

24、nge, when selecting credit client, the interest factor such as the cost that should consider each credit business necessarily and accrual, safety and risk. from cost - the angle of accrual looks, bank often apt has actual strength, reputation good, benefit the big company with good, small risk, caus

25、e shortage of supply of fund of credit of medium and small businesses. 3, information asymmetry. information asymmetry is to show one party possesses pertinent information and other one party lacks pertinent information latter perhaps missing information is done not have former much. information asy

26、mmetry theory thinks, information is in trade bilateral asymmetry distributings, what can bring about the person that the one party that has information advantage gives information inferior position is decision-making cause adverse effect, bring about resource then configuration is inefficient. from

27、 eye antecedent condition looks, big company because rate of news be brought into the public is higher, social reputation is better, financial orgnaization gets the information of these enterprises very easily with inferior cost, be based on the consideration of security and profitability, the bank

28、is willing to provide loan for big company, it is favourable loan even. compare and character, medium and small businesses because information exposure mechanism is diseased, financial institution is non-standard, reliability of internal accounting information is low, make the bank is opposite hard

29、in enterprise of small foreign trade offers financing. (2) credit market demand square: in enterprise of small foreign tradeon credit market, as a result of the blemish of oneself of medium and small businesses, make the bank cannot is opposite the operator that has undesirable action undertakes is

30、on guard effectively. to reduce credit fund risk, the bank supports cautious attitude to loan of medium and small businesses. oneself of medium and small businesses is not worth expression to be in: 1, the moral risk of medium and small businessesalleged morality risk, it is people those who use the

31、 market is immature or of the market by twist, undertake deviating from the management activity of moral criterion, create the possibility of bad influence to the society thereby. in financing process, enterprise of small foreign trade uses his news dominant position to harm commercial bank interest

32、 in, cause credit risk thereby; bigger, management outstanding achievement does not stabilize the optional sex plus managemant decision of medium and small businesses, company credit concept motive force of thin, reimbursement is not powerful wait for an element, the bank stems from security conside

33、ration, reduce the loan to medium and small businesses naturally, the financial orgnaization cherish such as occurrence bank borrows a phenomenon. 2, enterprise guaranty assures lackenterprise of small foreign trade is put in dimensions in small, actual strength is weak, can mortgage asset it is lit

34、tle, difficult to assure wait for a problem, it is difficult to bring about industry financing. current, the bank is confined to land, estate and machine equipment to wait commonly to the choice of enterprise pawn, and mortgage rate is inferior. and in enterprise of small foreign trade is labor more

35、 concentrated model produce a business or be the commerce that lacks substance current model enterprise, enterprise dimensions is relatively lesser, the active capital fund that can offer mortgage is very little, cannot provide the objective guaranty number that bank place asks. in the meantime, the

36、 industry finds appropriate security very hard, bring about assure capacity is insufficient. 3, management is non-standard, financial credence is short of breakin way of business management of small foreign trade is quick but insufficient standard, the compose that values financial accounting system

37、 generally not quite builds the promotion with team of business management of enterprise. the commercial bank needs according to what credit manages, requirement medium and small businesses provides financial, investment decision-making, capital is run wait for information to be evaluated objectivel

38、y in order to make. but lack of most medium and small businesses is perfect inside charge system and financial institution, accountant information is lack fidelity, the sincere letter that reduced oneself is spent, cause a bank to be increased to the information of the enterprise is collected and an

39、alysing cost, make a bank very bad true to its financial condition condition undertakes making an on-the-spot investigation, serious effect goes to a bank to make honestly assessment to the enterprise, also restricted the financing channel of oneself accordingly. 3, in the settlement with difficult

40、financing of industry of small foreign trade countermeasure(one) perfect policy gives aid to mechanism, in hurried of collaboration of silver politics look forward to financing of industry of small foreign trade. outside carrying out what executive government already made to promote seriously classi

41、cs trade company grows, on the foundation of the code that ensures financing of medium and small businesses and policy, local government should integrate our region economy progress is real, make as soon as possible perfect the policy that in giving aid to, company of small foreign trade develops an

42、d stimulative industry financing, assure the measure of form a complete set that the system builds. strengthen silver politics look forward to to communicate collaboration, build financing to serve platform. the government wants active pull wires to build the bridge, build communication of silver-co

43、lored look forward to actively to communicate serve platform with financing, in letting small outside development of classics trade business understands banking wu, in making a bank thorough understand small outside demand of classics trade business, the information of both sides of stimulative fina

44、ncing supply and demand is communicated with fast butt joint. (2) orgnaization of be in harmony of the xiaojin in development, perfect finance serves a system. encourage orgnaization of be in harmony of the xiaojin in development, because local in small finance orgnaization is right level of conditi

45、on of this locality company, credence has clearer knowledge, can overcome the obstacle that information asymmetry brings about, be helpful for reducing the credit risk of the bank. next, through establishing small finance company, come to normative folk financing. begin actively in small finance com

46、pany is established, control of operation mechanism, risk, market superintends the exploration that waits for a respect and practice, develop the dominant position with civilian comfortable capital adequately, make its become the main force that small company borrows money gradually. the height of l

47、easehold and bilateral information of civilian financing is symmetrical, the control capability of capital risk is stronger, trade way is quick, capital use efficiency is taller, have very powerful complementary effect to bank financing system. (3) compose builds credence of medium and small busines

48、ses to assure system, relax mortgage loan requirementa when in affecting a bank to be opposite, enterprise of small foreign trade borrows money main factor is an enterprise devoid credence assures and evaluate a system, can compose is built with helping each other the gender assures the credence of

49、medium and small businesses that give priority to assures the system will solve this one problem. coadjutant sex assures assure bank or government exterior supervisory translate into of the organization helps each other the gender assures those who organize interior is mutual supervise, enhanced sup

50、ervisory effectiveness; credence of medium and small businesses assures of the system build and perfect solved information asymmetry problem greatly. in the meantime, the government sector should perfect policy of relevant form a complete set, in support enterprise of small foreign trade is guaranty

51、 to assure with all sorts of movables such as sheet of money of goods in stock, receivable zhang, storehouse, equity, intellectual property content obtains credit financing from the bank. (4) in be aimed at, characteristic of enterprise of small foreign trade designs financing product1, begin “ coup

52、let guarantees loan “ . it is to show the regulation with certain basis of medium and small businesses comprises couplet to maintain system, the member that protect small composition by bank couplet undertakes giving a letter, the mode of a kind of financing that assures responsibility jointly is as

53、sumed each other between the member. couplet protects body member to encircle associate for the business normally, accordingly once produce phenomenon of borrower break a contact, will make borrower be bankrupt in reputation, go up in business field cannot base oneself upon. couplet protects mode to

54、 be able to solve individual medium and small businesses to accept oneself scale rate of small, systematism is low and assure pawn is insufficient and the financing that cause is difficult. 2, development international trade next supply catenary financing. the different characteristic that financial

55、 orgnaization can supply chain according to imports and exports and enterprise are supplying chain the demand of different link, tie kind of international trade settle accounts, use a variety of credit tools such as bank credit, business standing and matter right adequately, the asset of commerce be

56、 in harmony that devises mutiple level, much point of view tastes combination, enterprise of small foreign trade solves an entrance to open card, entrance to pay in the help, exit is purchased, payment for goods reclaims wait for the financing problem that supplies chain link. (5) the oneself actual

57、 strength of enterprise of small foreign trade in rising1, strengthen financial institution construction, raise oneself credence level. enterprise of small foreign trade should solve the problem with difficult financing in, should realise oneself credence and business adequately praise it is crucial

58、 essential factor. must strengthen financial institution construction, raise oneself credence level. the proof examine and verify that wants book of normative accountant zhang, make the segment such as odd, charge to an account, raise the diaphaneity that accountant information announces; build and

59、perfect database of company financial condition, build an effective credit evaluation and release a system, enhance a commercial bank to put borrowed faith to the enterprise. while normative oneself management works, the business should be vigorous undertake communication with the bank, establish relationship of good silver-colored look forward to hard, it is start with credit, assure with sol