中国网浪潮资讯 开放型经济下，金融机构如何服务企业对外贸易、对外投资？近日，浙商银行围绕中小外贸企业的融资需求，专门针对外贸综合服务平台和外贸公司，推出“涌金出口池”3.0版，为平台及中小外贸企业提供“1+N”供应链融资及池化融资。

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.

　　在国家鼓励外贸发展及“互联网+”行业应用不断升级的背景下，近年来，以外贸综合服务平台为代表的新业态纷纷涌现，为中小微出口企业提供从报关、货运、商检到收汇、退税和融资的“一站式”服务。

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.

　　分析人士认为，融资难、融资贵，担保难、担保贵问题成为外贸中小企业发展的瓶颈。外贸综合服务平台帮助中小企业代收付外汇款，能打消境外买家疑虑，有利于供应商接订单，提高中小外贸企业的国际竞争力。然而由于平台轻资产运营的特性，其自有资金无法满足众多中小企业融资需求。

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.

　　据介绍，浙商银行通过银企平台对接、数据交互的方式，提供虚拟子账户、收汇自动解付入账、批量结汇、在线还款等功能，将原先需要大量人力的工作转变为系统智能化批量处理，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，浙江中非国际经贸港服务有限公司在“涌金出口池”3.0系统上开通虚拟子账户功能后，给每一家供应商设置了唯一子账号。平台能精准、快速识别供应商的收汇资金，并进行结汇、划转、支付。“用出口池收汇，货款系统自动入账，大幅提高了资金到账速度，也可以结汇后将人民币支付给供应商，提高他们的资金结算效率，减少资金备付需求。结算效率的提高，同样能降低企业财务成本，实现管理增效。”企业财务负责人说。

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 张渊 李斌 报道 翻译 宓文文）

来源： 中国网    | 作者：张渊 李斌 报道 翻译 宓文文    | 责编：胡金    审核：张渊

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