中國網浪潮資訊 開放型經濟下，金融機構如何服務企業對外貿易、對外投資？近日，浙商銀行圍繞中小外貿企業的融資需求，專門針對外貿綜合服務平臺和外貿公司，推出“涌金出口池”3.0版，為平臺及中小外貿企業提供“1+N”供應鏈融資及池化融資。

How do the financial institutions serve the foreign trade and foreign investment in the open economy? Recently, Zhejiang merchants bank around the financing needs of small and medium sized foreign trade enterprises, specializing in foreign trade integrated service platform and the foreign trade company, launched the "export Yongjin pool" of the 3 version, offering "1+N" supply chain financing and financing platform for the pool and the small and medium-sized foreign trade enterprises.

　　在國家鼓勵外貿發展及“網際網路+”行業應用不斷升級的背景下，近年來，以外貿綜合服務平臺為代表的新業態紛紛涌現，為中小微出口企業提供從報關、貨運、商檢到收匯、退稅和融資的“一站式”服務。

The State encourages the development of foreign trade and industry application "Internet plus" under the background of escalating, in recent years, with new form of foreign trade integrated service platform as the representative have emerged, for small and micro enterprises from the export declaration, commodity inspection, cargo receipt, tax rebates and financing’s "one-stop" service.

　　分析人士認為，融資難、融資貴，擔保難、擔保貴問題成為外貿中小企業發展的瓶頸。外貿綜合服務平臺幫助中小企業代收付外匯款，能打消境外買家疑慮，有利於供應商接訂單，提高中小外貿企業的國際競爭力。然而由於平臺輕資産運營的特性，其自有資金無法滿足眾多中小企業融資需求。

Analysts believe that financing difficulties, financing expensive, difficult guarantees and guarantees expensive these problems have became the bottleneck of the development of small and medium-sized foreign trade enterprises. Foreign trade comprehensive service platform helps small and medium enterprises to collect foreign remittances, which can dispel doubts of foreign buyers, help suppliers to order, and improve the international competitiveness of small and medium-sized foreign trade enterprises. However, due to the characteristics of platform asset management, its own funds can not meet the financing needs of many small and medium-sized enterprises.

　　據介紹，浙商銀行通過銀企平臺對接、數據交互的方式，提供虛擬子賬戶、收匯自動解付入賬、批量結匯、線上還款等功能，將原先需要大量人力的工作轉變為系統智慧化批量處理，提高操作效率。

According to reports, Zhejiang merchants bank through the bank and enterprises docking platform, data exchange, providing a virtual sub account, automatic collection and batch settlement, paying for online payments and other functions, which need a large number of human turn into system intelligent batch processing to improve the efficiency of operation.

　　今年8月，浙江中非國際經貿港服務有限公司在“涌金出口池”3.0系統上開通虛擬子賬戶功能後，給每一家供應商設置了唯一子賬號。平臺能精準、快速識別供應商的收匯資金，並進行結匯、劃轉、支付。“用出口池收匯，貨款系統自動入賬，大幅提高了資金到賬速度，也可以結匯後將人民幣支付給供應商，提高他們的資金結算效率，減少資金備付需求。結算效率的提高，同樣能降低企業財務成本，實現管理增效。”企業財務負責人説。

In August this year, Zhejiang Sino-Africa International Trade Port Service Co. Ltd. opened virtual sub account function in "Yongjin export pool" 3.0 system, for each supplier set only sub account. The platform can accurately and quickly identify the foreign exchange proceeds of the suppliers, and exchange settlement, transfer, payment. "Pool export proceeds, automatically credited payment system, a substantial increase in the speed of capital account, can also will be RMB settlement after payment to the supplier, improve their settlement efficiency, reduce capital excess demand. The improvement of settlement efficiency can also reduce the financial cost of enterprises and realize the efficiency of management." The person in charge of enterprise finance said.

　　（作者 張淵 李斌 報道 翻譯 宓文文）

來源： 中國網    | 作者：張淵 李斌 報道 翻譯 宓文文    | 責編：胡金    審核：張淵

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