自偿性贸易融资现状探析及对策研究

Analysis and Strategy on the Financing Project in Self-compensatory Trade

对于银行来说,中小企业资信状况普遍不高,又缺乏相应的担保和抵押物,放贷风险较难控制。通过多年的银行工作实践,文章认为,大力推广自偿性贸易融资业务,既可以巧妙地避开从企业的基本面上去控制放贷风险这一常规做法,也能通过对企业贸易链的整体把握,有效地控制风险,从而取得双赢甚至多赢的效果。

Observing from all the banks, the credit position for small and medium enterprise is not optimistic, furthermore, they have difficulties in mortgaging and controlling the risk in loan. Having worked in the bank for many years, the author argues that to widely carry on the self - compensatory trade can not only avoid and control the risk in loan, but also result in win -win, even wins -wins.