关于利用境外银行融资情况的观察与思考

Investigation and Thinking about the First Half of 2014 in Jilin Province Using Offshore Bank Financing Situation

贸易融资是指银行对涉外企业提供的与进出口贸易结算相关的短期融资或信用便利。银行贸易融资业务的发展,解决了企业资金短缺问题,银行也能从中获取更多盈利。今年以来,随着吉林省涉外企业进出口贸易规模的扩大和跨境人民币业务的发展,银行贸易融资总量大幅增长,本外币结合的跨境贸易融资产品大量涌现,加之境外融资成本相对较低,银行利用海外行资金和价格优势为境内企业融资的代付业务发展迅速,这对跨境资金监测产生了一定的影响,值得关注。

Trade ifnance refers to the provision of the bank on the foreign enterprise related to import and export trade settlement of short-term ifnancing or credit facility. The development of bank trade ifnance business, solves the problem of shortage of funds, the bank can get more proift from. Since this year, with the development of foreign enterprises in Jilin province to expand the scale of imports and exports trade and cross-border RMB business, bank trade ifnancing a substantial increase in the total, combined with the foreign currency cross-border trade ifnancing products in large numbers, together with foreign ifnancing cost is relatively low, banks use overseas for money and price advantage to pay business development of domestic enterprises ifnancing quickly and it has a certain inlfuence on cross-border capital monitoring, worthy of attention.