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1、1TradeFinancingforSMEsKelvinAuHeadofSMEBusinessHSBC(China)LimitedTradeFinancingforSMEs中小企業(yè)貿(mào)易融資June2009,ShanghaiKelvinAu,HeadofBusinessBankingCommercialBankingHSBCBank(China)CompanyLimitedKelvinAu，匯豐銀行（中國)）工商金融服務(wù)部企業(yè)銀行經(jīng)理2GrowthinInternationalTrade國際貿(mào)易增長Internationaltradehasbeengrowingfastinthela
2、stdecade,althoughalittleretreatisexpectedaftertherecentglobalfinancialcrisis.最近的全球金融危機(jī)導(dǎo)致貿(mào)易額小幅縮水；但是過去十年來，國際貿(mào)易一直在快速增長。(Billiondollars)十億美元200120022003200420052006ExportsASEAN東盟出口387.6407.4474.8568.9655.2770.0ExportsWorld全球出口6,187.06,487.07,580.09,210.010,472.012,083.02001-2006年的出口貿(mào)易額3GrowthinOpe
3、nAccountTrade記賬貿(mào)易的增長Morebigbuyersemergedalongthewayandopenaccounttradehasbecomemorecommonininternationaltrade.Thetrendisreflectedpartlyinthegrowthinfactoringvolume.眾多大買家的出現(xiàn)，使記賬貿(mào)易在國際貿(mào)易中越來越常見。保理業(yè)務(wù)量的增長也反映了這一趨勢。TheGrowthofFactoringVolumeinAsia亞洲保理業(yè)務(wù)量的增長Asia(inEURm)亞洲（百萬歐元）2000200120022003200420052
4、006China2121,2342,0772,6404,3155,83014,300HongKong2,4002,6903,0293,2504,8007,7009,710Indonesia30110150India4706901,2901,6151,6251,9903,560Japan58,47361,56650,38060,55072,53577,22074,530Malaysia585842610718730532480Singapore2,1002,4802,6002,4352,6002,8802,955SouthKorea11585553832850850Taiwan3,6
5、504,5117,91916,00023,00036,00040,000Thailand1,2681,2401,2741,4251,5001,6401,925Vietnam00000216Total69,27675,33869,23588,672111,137134,645148,3764ImplicationstoSMEsinAsiaPacificasSuppliers對亞太地區(qū)作為供應(yīng)商的中小企業(yè)的啟示Financing:WithoutLettersofCredit(L/Cs)andotherdocumentarytradeinstruments,SMEshavetorelym
6、oreonbalance-sheetstrengthandcollateraltoobtainbankfinance.融資：由于缺乏信用證和其它單證貿(mào)易工具，中小企業(yè)得更多地依賴資產(chǎn)負(fù)債表的實(shí)力和抵押品來獲得銀行融資。Collectionandledgermanagement:Documentarytradeissettledthroughbankswithclearlystipulatedresponsibilities.However,finalsettlementofopenaccounttradereliesmoreonSMEs’capabilitiesinmanaging
7、receivables.托收與總賬管理：單證貿(mào)易通過銀行來結(jié)算，雙方責(zé)任有明確界定。記賬貿(mào)易的最終結(jié)算，則更多地依賴中小企業(yè)管理應(yīng)收帳款的能力。Buyerrisk:Paymentsarenotguaranteedevenifasupplierhasdulyperformeditsduty(unlessitispaymentinadvance).買家風(fēng)險(xiǎn)：即便供應(yīng)商充分履行了其職責(zé)，也不能保證付款（除非是預(yù)付款）。5ImplicationstoTradeFinancin
