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今年以来,欧洲和美国经济形势未见好转;而国内经济增势亦有减弱迹象:进出口量增长放缓、实体经济利润率下降、部分企业经营困难。种种情况显示,银行贸易融资业务的内外部环境已经出现变化。笔者认为,与2008年国际金融危机时期相比,目前银行贸易融资业务经营所面临的考验更大。内外环境新变化首先是国内宏观经济出现变化。2008年国际金融危机时,国内经济虽然短期内受到影响,但由于2009年国家推出了四万亿元投资和十大产业振兴计划,国内经济迅速反弹,拉动了相关产
Since the beginning of this year, the economic situation in Europe and the United States has not improved; while the domestic economic growth has also shown signs of weakening: the growth of import and export volume slows down, the profitability of the real economy drops, and some enterprises have difficulties in operation. All kinds of circumstances show that the internal and external environment of bank trade finance business has changed. In my opinion, compared with the period of the international financial crisis in 2008, the bank trade financing business is facing greater challenges. The new changes in the internal and external environment are firstly the changes in the domestic macroeconomy. In the international financial crisis of 2008, although the domestic economy was affected in the short term, as the state launched the 4 trillion yuan investment and the top ten industrial revitalization plans in 2009, the domestic economy rebounded rapidly, driving the related industries