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發(fā)布日期:2024-10-18 11:26:12來源:通運九州瀏覽:次
貿(mào)易融資解釋及為何是貿(mào)易融資專區(qū)?企業(yè)做出口貿(mào)易必學(xué)課程,路過的大神可以看看,長點知識
Trade finance is related to
international trade.
While a seller (the exporter) can require the
purchaser (an importer) to prepay for goods shipped, the purchaser (importer)
may wish to reduce risk by requiring the seller to document the goods that have
been shipped. Banks may assist by providing various forms of support. For
example, the importer's bank may provide a letter of credit to the exporter (or
the exporter's bank) providing for payment upon presentation of certain
documents, such as a bill of lading. The exporter's bank may make a loan (by
advancing funds) to the exporter on the basis of the export
contract.
Other forms of trade finance can include Documentary
collection, trade credit insurance, export factoring, forfaiting and others. In
many countries, trade finance is often supported by quasi-government entities
known as export credit agencies that work with commercial banks and other
financial institutions.
Trade finance refers to financing international
trading transactions. In this financing arrangement, the bank or other
institution of the importer provides for paying for goods imported on behalf of
the importer.
貿(mào)易融資(trade
financing),是銀行的業(yè)務(wù)之一。是指銀行對進(jìn)口商或出口商提供的與進(jìn)出口貿(mào)易結(jié)算相關(guān)的短期融資或信用便利。境外貿(mào)易融資業(yè)務(wù),是指在辦理進(jìn)口開證業(yè)務(wù)時,利用國外代理行提供的融資額度和融資條件,延長信用證項下付款期限的融資方式。
貿(mào)易融資,是指在商品交易中,銀行運用結(jié)構(gòu)性短期融資工具,基于商品交易(如原油、金屬、谷物等)中的存貨、預(yù)付款、應(yīng)收賬款等資產(chǎn)的融資。貿(mào)易融資中的借款人,除了商品銷售收入可作為還款來源外,沒有其他生產(chǎn)經(jīng)營活動,在資產(chǎn)負(fù)債表上沒有實質(zhì)的資產(chǎn),沒有獨立的還款能力。貿(mào)易融資保理商提供無追索權(quán)的貿(mào)易融資,手續(xù)方便,簡單易行,基本上解決了出口商信用銷售和在途占用的短期資金問題。
入世以來,中國對外貿(mào)易的數(shù)量及范圍迅速擴(kuò)大,對外貿(mào)易的主體將向多層次擴(kuò)展,國際貿(mào)易結(jié)算工具將呈現(xiàn)出多樣化且新業(yè)務(wù)不斷推出,與之相應(yīng)的國際貿(mào)易融資方式亦將呈現(xiàn)出前所未有的多樣化、復(fù)雜性和專業(yè)化,其潛在的風(fēng)險也在不斷的增長和變化。對于中國國有商業(yè)銀行來說,如何把握機遇,擴(kuò)大國際貿(mào)易融資、攬收國際結(jié)算業(yè)務(wù),最大限度地獲取融資效益和中間業(yè)務(wù),同時,又要有效地防范和控制融資風(fēng)險,也是值得關(guān)注的問題。
表現(xiàn)方式:
(一)進(jìn)口押匯。是指開證行在收到信用證項下單據(jù),審單無誤后,根據(jù)其與開證申請人簽訂的《進(jìn)口押匯協(xié)議》和開證申請人提交的信托收據(jù),先行對外付款并放單。開證申請人憑單提貨并在市場銷售后,將押匯本息歸還給開證行。
是指信用證的受益人在貨物裝運后,將全套貨運單據(jù)質(zhì)押給所在地銀行,該行扣除利息及有關(guān)費用后,將貨款預(yù)先支付給受益人,而后向開證行索償以收回貨款的一種貿(mào)易融資業(yè)務(wù)。
打包放款
是指出口商收到進(jìn)口商所在地銀行開立的未議付的有效信用證后,以信用證正本向銀行申請,從而取得信用證項下出口商品生產(chǎn)﹑采購﹑裝運所需的短期人民幣周轉(zhuǎn)資金融通。