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1、1TradeFinancingforSMEsKelvinAuHeadofSMEBusinessHSBC(China)LimitedTradeFinancingforSMEs中小企业贸易融资June2009,ShanghaiKelvinAu,HeadofBusinessBankingCommercialBankingHSBCBank(China)CompanyLimitedKelvinAu，汇丰银行（中国)）工商金融服务部企业银行经理2GrowthinInternationalTrade国际贸易增长Internationaltradehasbeengr
2、owingfastinthelastdecade,althoughalittleretreatisexpectedaftertherecentglobalfinancialcrisis.最近的全球金融危机导致贸易额小幅缩水；但是过去十年来，国际贸易一直在快速增长。(Billiondollars)十亿美元200120022003200420052006ExportsASEAN东盟出口387.6407.4474.8568.9655.2770.0ExportsWorld全球出口6,187.06,487.07,580.09,210.010,472.012,0
3、83.02001-2006年的出口贸易额3GrowthinOpenAccountTrade记账贸易的增长Morebigbuyersemergedalongthewayandopenaccounttradehasbecomemorecommonininternationaltrade.Thetrendisreflectedpartlyinthegrowthinfactoringvolume.众多大买家的出现，使记账贸易在国际贸易中越来越常见。保理业务量的增长也反映了这一趋势。TheGrowthofFactoringVolumeinAsia亚洲保理业务量
4、的增长Asia(inEURm)亚洲（百万欧元）2000200120022003200420052006China2121,2342,0772,6404,3155,83014,300HongKong2,4002,6903,0293,2504,8007,7009,710Indonesia30110150India4706901,2901,6151,6251,9903,560Japan58,47361,56650,38060,55072,53577,22074,530Malaysia585842610718730532480Singapore2,1002,
5、4802,6002,4352,6002,8802,955SouthKorea11585553832850850Taiwan3,6504,5117,91916,00023,00036,00040,000Thailand1,2681,2401,2741,4251,5001,6401,925Vietnam00000216Total69,27675,33869,23588,672111,137134,645148,3764ImplicationstoSMEsinAsiaPacificasSuppliers对亚太地区作为供应商的中小企业的启示Financing
6、:WithoutLettersofCredit(L/Cs)andotherdocumentarytradeinstruments,SMEshavetorelymoreonbalance-sheetstrengthandcollateraltoobtainbankfinance.融资：由于缺乏信用证和其它单证贸易工具，中小企业得更多地依赖资产负债表的实力和抵押品来获得银行融资。Collectionandledgermanagement:Documentarytradeissettledthroughbankswithclearlystipulatedr
7、esponsibilities.However,finalsettlementofopenaccounttradereliesmoreonSMEs’capabilitiesinmanagingreceivables.托收与总账管理：单证贸易通过银行来结算，双方责任有明确界定。记账贸易的最终结算，则更多地依赖中小企业管理应收帐款的能力。Buyerrisk:Paymentsarenotguaranteedevenifasupplierhasdulyperformeditsduty(unlessitispaymentinadvance).买家风险：即便供应
8、商充分履行了其职责，也不能保证付款（除非是预付款）。5ImplicationstoTradeFinancin
