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在中关村,有很多中小企业在为资金短缺发愁,而与此同时,又有无数投资家手头有着数十亿、数百亿元的资金在为找不到合适的项目苦恼。究其原因,一笔资金从供给方到需求方手里,中间需要经过资金担保、项目评估、资信评估等多个环节。这里贷款担保成为主要问题。如何合理分散和化解金融信贷风险,实现金融与技术、市场的有机结合,这里,我们介绍一种新手段——商品贸易融资,这种融资方式,以商品贸易为纽带,将商业信用和银行信用相结合,为解决我国中小企业融资渠道多样化开辟了新的途径。
In Zhongguancun, many small and medium-sized enterprises are worrying about the shortage of funds. At the same time, there are countless investors who have billions or billions of dollars of funds to worry about finding a suitable project. The reason for this is that from the supply side to the demand side, a sum of money needs to be funded through guarantees, project evaluations, and credit evaluations. Loan guarantees here are the main issues. How to rationally disperse and resolve financial credit risks and achieve an organic combination of finance, technology, and market, here we introduce a new approach - commodity trade financing, this type of financing, with commodity trade as a link, commercial credit and bank credit. Combined, it has opened up new ways to solve the diversification of financing channels for SMEs in China.