都说中小企业融资困难,究竟难在哪里?问题其实很好回答:第一,没有固定资产;第二,没有良好的信用记录;第三,很难提供真实的财务报表。深圳一家为国外知名产品贴牌生产环保包装袋的企业却经营有道,很方便地获得了融资。他们并没有太多的固定资产,也不可能通过固定资产抵押的方式获得贷款。但在开展外贸业务时,他们得到了花旗银行的融资帮助。花旗银行之所以为这家企业提供融资,原因是这家企业的老板手中握着国外知名厂商的订单。花旗银行是在国内率先开发中小企业融资市场的外资银行。在国内多数银行还在以固定资产抵押、担保公司担保等方式经营中小企业贷款业务时,花旗银行已经开发出了更加灵活的融资产品。那么,一家中小企业应如何从银行得到融资?花旗银行中国商业银行部市场总监许昌青将为您作答。 Say that SMEs financing difficulties, exactly where is difficult? The problem is actually a good answer: first, there is no fixed assets; second, there is no good credit history; third, it is difficult to provide real financial statements. Shenzhen, a well-known foreign products for OEM production of environmentally friendly bags are well-run businesses, it is easy to obtain financing. They do not have much fixed assets and can not obtain loans through the mortgage of fixed assets. However, they were assisted by Citibank in their foreign trade operations. The reason Citibank provides financing for this business is because the owner of the business holds orders from well-known foreign firms. Citibank is the first foreign bank in China to develop the SME financing market. Citibank has developed more flexible financing products when most domestic banks are still operating SME loans in the form of fixed assets mortgages and guarantee company guarantees. So, how should a small and medium-sized enterprise get financing from the bank? Xu Changqing, Marketing Director of China Commercial Bank of Citibank will answer your questions.