大型银行、中小企业与贸易融资:青岛案例

Large Banks,SMEs and Trade Financing:Qingdao Case

长期以来,商业银行尤其是大银行拓展中小企业信贷市场一直面临困境。但中国工商银行青岛分行却以中小企业商品交易为基础,较为成功地开发了一系列贸易融资产品。由此可以看出,在特定的产品、制度和技术保证下,大银行也可以成为中小企业信贷市场上的有效资金供给者。

For long time,commercial banks,especially large banks,face a dilemma in developing credit market of SMEs.However,the ICBC Qingdao branch successfully explores a series of trade financing products which are based on commodity trade of SMEs.Therefore,under the guarantee of special products,rules and techniques,large banks also can become effective capital supplier in the credit market of SME.