我国中小企业的贸易融资环境很不理想,贸易融资难成为制约中小企业从事国际贸易业务的瓶颈。我国目前贸易融资发展存在融资的方式单一,对象集中,现有融资工具流通不足等问题。应从企业、银行、国家三个方面推进我国中小企业国际贸易融资发展。 The financing environment for trade in SMEs in our country is not ideal, so it is difficult for trade financing to become a bottleneck that restricts SMEs from engaging in international trade. At present, China’s trade financing development has some problems such as a single way of financing, a concentrated object, and an insufficient circulation of existing financing tools. The development of international trade financing for SMEs in our country should be promoted from three aspects: enterprises, banks and countries.