优化中小企业商品融资的思考

Thoughts on Optimizing Commodity Finance of SMEs

近年来受政府鼓励金融创新、大力发展中小企业的政策支持,商品融资的发展恰逢其时。中小企业商品融资促进了银企合作,但由于中小企业专业素质不高、金融机构贷后管理人员的风险意识不强,仍暴露出一些问题。基于演绎法,建议该融资应从业务开展、风险管理和融资流程三个方面进行优化,以利于展现其应有的价值。

In recent years, the development of commodity finance has entered a golden age with the policy support from the government encouraging financial innovation and the development of SMEs. Commodity finance of SMEs has promoted the cooperation between banks and enterprises, but due to the low professional level of SMEs and the weak risk awareness of the post-loan managerial staff in financial institutions, some problems have occurred. Based on the deductive method, it＇s suggested that the commodity finance of SMEs should be optimized to realize its real value from the three following aspects： business development, risk management and financing process.