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摘要：中小外贸企业是我国国民经济和社会发展中一支重要力量，我国外贸中小外贸企业在确保国民经济稳定增长、优化经济结构、促进市场竞争、促进市场繁荣、保持社会稳定等方面的作用愈加重要。由于相关法律法规、配套设施、金融服务、进出口产品结构等的滞后，我国的中小贸易企业往往面对订单，由于无法争取到利于自己的结算方式，付款条件，而贸易融资无门的情况下，眼看订单白白流失。中小外贸企业的融资成本高达10%左右，大部分的中小外贸企业都融不到资甚至融不起资，严重制约着我国中小外贸企业的经济的发展。因此解决中小外贸企业融资难的问题应经成为了我国的对外经济发展的首要目标。32861
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毕业论文关键词：中小外贸企业；法律法规；金融服务
Small And Medium-sized Foreign Trade Enterprise Financing Problems Research
Abstract: small and medium-sized foreign trade enterprises is an important force in the national economy and social development in our country, our country small and medium-sized enterprises of foreign trade in ensuring stable growth of national economy, optimizing the economic structure, promote the market competition, promote the market prosperity, and maintaining the social stability of the role of more and more important. Due to the relevant laws and regulations, infrastructure, financial services, import and export product structure, such as the lag, our country's small and medium-sized enterprises often face trade orders, because it could not get his advantages of the method of payment, terms of payment, and trade financing under the condition of gates, see order is wasted. Small and medium-sized foreign trade enterprise financing costs as high as 10%, most of the small and medium-sized foreign trade enterprises can not afford to melt not even, severely restricts the economic development of small and medium-sized foreign trade enterprises in our country. Therefore solve the problem of financing difficulties of small and medium-sized foreign trade enterprises have become the primary target of China's foreign economic development.
Key Words：small and medium-sized foreign trade enterprises；laws；financial services
目 录
绪 论 1
一、中小外贸企业的概述 1
（一）中小外贸企业的界定 1
（二）中小外贸企业在国民经济中的地位 2
二、中小外贸企业融资现状 2
（一）中小外贸企业融资方式选择 2
（二）中小外贸企业资金需求大 3
（三）中小外贸企业的融资融资成本高 3
三、中小外贸企业融资难的原因分析 4
（一）政府政策限制 4
（二）银行等金融机构的制度限制 5
（三） 企业自身原因 6
1．中小外贸企业普遍缺乏完备的信用管理体系 6
2．外贸企业人员素质有待提高 6
3.中小外贸企业规模限制 7
4. 企业制度不健全 7
5.风险意识差 7
四、解决中小外贸企业融资难的策略分析 8
（一）国家政策方面 8
1.建立和完善国际贸易融资的相关法律法规 8
2.建立健全多层次中小外贸企业信用担保体系 9
（二）银行等金融机构方面 9
1.创新融资产品 9
2提高工作人员业务素质 10
3技术创新 10
（三） 企业自身方面 11
1增强信用意识，提高融资能力 11