{"id":414,"date":"2019-06-18T23:03:51","date_gmt":"2019-06-18T15:03:51","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=414"},"modified":"2021-03-04T12:33:31","modified_gmt":"2021-03-04T04:33:31","slug":"%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2019\/06\/18\/%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99\/","title":{"rendered":"\u6dfa\u8ac7\u4f01\u696d\u9280\u884c\u670d\u52d9\uff08\uff11\uff09\u2014\u8cbf\u6613\u670d\u52d9"},"content":{"rendered":"\n<p>\u4f01\u696d\u5728\u8003\u616e\u9280\u884c\u670d\u52d9\u6642\uff0c\u591a\u4ee5\u516c\u53f8\u7684\u696d\u52d9\u89d2\u5ea6\u53bb\u5c0b\u627e\u5408\u9069\u7684\u7522\u54c1\uff0c\u4f8b\u5982\u6709\u8cbf\u6613\u516c\u53f8\u63a5\u4e0b\u65b0\u5b9a\u55ae\uff0c\u9700\u8981\u6d41\u52d5\u8cc7\u91d1\u652f\u6301\uff0c\u6216\u662f\u958b\u8a2d\u65b0\u5ee0\u623f\uff0c\u9700\u8981\u9577\u671f\u878d\u8cc7\u7b49\u7b49\u3002\u7136\u800c\uff0c\u4f01\u696d\u9047\u5230\u4e0d\u5c11\u56f0\u96e3\uff0c\u5176\u4e2d\u539f\u56e0\u8207\u8fd1\u5e74\u9280\u884c\u696d\u8f49\u578b\u6709\u95dc\u3002\u7531\u65bc\u6bcf\u5e74\u8ffd\u6c42\u9ad8\u589e\u9577\uff0c\u9280\u884c\u7d93\u7406\u92b7\u552e\u6307\u6a19\u5de8\u5927\uff0c\u820a\u65e5\u4ee5\u6574\u9ad4\u696d\u52d9\u95dc\u4fc2\u8207\u4f01\u696d\u9577\u671f\u767c\u5c55\u7684\u5546\u696d\u6a21\u5f0f\u5df1\u7d93\u9010\u6f38\u5f0f\u5fae\u3002\u53d6\u800c\u4ee3\u4e4b\uff0c\u662f\u7531\u7522\u54c1\u6216\u670d\u52d9\u71df\u92b7\u4f5c\u4e3b\u5c0e\u7684\u92b7\u552e\u95dc\u4fc2\uff0c\u4f01\u696d\u9280\u884c\u7d93\u7406\u662f\u4ee5\u8ffd\u5c0b\u76ee\u6a19\u7522\u54c1\u92b7\u552e\u70ba\u5de5\u4f5c\u6307\u6a19\uff0c\u800c\u4e14\u5206\u5de5\u660e\u7d30\uff0c\u6bcf\u4f4d\u9280\u884c\u5f9e\u696d\u54e1\u53ea\u6703\u5c08\u8cac\u500b\u5225\u696d\u52d9\u6216\u7522\u54c1\u3002\u5927\u4f01\u696d\u56fa\u7136\u5c0d\u516c\u53f8\u81ea\u8eab\u8ca1\u52d9\u60c5\u6cc1\u6709\u5145\u5206\u7406\u89e3\uff0c\u4e26\u4e14\u5c0d\u9280\u884c\u7522\u54c1\u696d\u52d9\u6709\u4e00\u5b9a\u8a8d\u8b58\uff0c\u7136\u800c\u4e2d\u5c0f\u4f01\u696d\u537b\u672a\u5fc5\u6709\u540c\u7b49\u8cc7\u6e90\u3002\u5728\u6b64\u60c5\u6cc1\u4e0b\uff0c\u7b46\u8005\u5e0c\u671b\u5229\u7528\u4ee5\u5f80\u5728\u4f01\u696d\u9280\u884c\u5de5\u4f5c\u7684\u7d93\u9a57\uff0c\u900f\u904e\u6b64\u5e73\u53f0\u5206\u4eab\u4e0d\u540c\u985e\u5225\u4f01\u696d\u9280\u884c\u7684\u7522\u54c1\u7279\u8272\uff0c\u5f9e\u800c\u5e6b\u52a9\u4f01\u696d\u63d0\u5347\u71df\u904b\u6548\u7387\uff0c\u5be6\u73fe\u4f01\u696d\u5922\u60f3\u3002<\/p>\n\n\n\n<p>\u4e00\u822c\u4f86\u8aaa\uff0c\u4f01\u696d\u9280\u884c\u670d\u52d9\u53ef\u4ee5\u5206\u70ba\u5169\u5927\u985e\u5225\uff0c\u8cb8\u6b3e\u985e(Borrowing)\u548c\u975e\u8cb8\u6b3e\u985e(Non-Borrowing)\u3002\u6211\u5011\u5148\u8ac7\u8cb8\u6b3e\u3002\u9280\u884c\u6703\u6839\u64da\u4f01\u696d\u7684\u8cc7\u91d1\u7528\u9014\u4f86\u6c7a\u5b9a\u8cb8\u6b3e\u54c1\u7a2e\uff0c\u5927\u81f4\u6709\u4ee5\u4e0b\u5e7e\u7a2e\u3002<br><br><\/p>\n\n\n\n<ol><li>\u8cbf\u6613\u878d\u8cc7 (Trade Finance)<\/li><li>\u6d41\u52d5\u8cc7\u91d1 (Working Capital Finance)<\/li><li>\u8cc7\u672c\u958b\u652f (Capital Expenditure Finance)<\/li><li>\u623f\u5730\u7522 (Real Estate Finance)<\/li><li>\u518d\u878d\u8cc7 (Refinancing)<\/li><li>\u4f75\u8cfc (Acquisition Finance)<\/li><li>\u5546\u696d\u9805\u76ee(Project Finance)<\/li><\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p>1\u81f34\u985e\u5c6c\u65bc\u7c21\u55ae\u985e\u5225\uff0c\u4e00\u822c\u4e2d\u5c0f\u4f01\u696d\u90fd\u6709\u4e0d\u540c\u7a0b\u5ea6\u7684\u9700\u6c42\u30025\u81f37\u985e\u5247\u5c6c\u65bc\u5927\u578b\u4f01\u696d\u7684\u7bc4\u7587\u3002\u6211\u5011\u6703\u9010\u4e00\u70ba\u60a8\u4ecb\u7d39\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" width=\"579\" height=\"336\" src=\"https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/06\/image-1.png?resize=579%2C336&#038;ssl=1\" alt=\"\" class=\"wp-image-421\" srcset=\"https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/06\/image-1.png?w=579&amp;ssl=1 579w, https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/06\/image-1.png?resize=300%2C174&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/06\/image-1.png?resize=24%2C14&amp;ssl=1 24w, https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/06\/image-1.png?resize=36%2C21&amp;ssl=1 36w, https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/06\/image-1.png?resize=48%2C28&amp;ssl=1 48w\" sizes=\"(max-width: 579px) 100vw, 579px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><strong>\u8cbf\u6613\u878d\u8cc7 (Trade Finance)<\/strong><\/p>\n\n\n\n<p>\u4ee5\u4f01\u696d\u89d2\u5ea6\uff0c\u8cbf\u6613\u4e3b\u8981\u5206\u9032\u53e3(Import)\u6216\u51fa\u53e3(Export)\u3002\u4ee5\u4e00\u5bb6\u88fd\u9020\u696d\u516c\u53f8\u70ba\u4f8b\uff0c\u9032\u53e3\u8cbf\u6613\u670d\u52d9\u5c31\u662f\u8cfc\u8cb7\u539f\u6750\u6599\u6642\u7531\u9280\u884c\u5354\u52a9\u652f\u4ed8\u4f9b\u61c9\u5546\uff0c\u4ea4\u6613\u65b9\u5f0f\u4e00\u822c\u53ef\u4ee5\u662f\u4fe1\u7528\u8b49(Letter of Credit\/LC)\u3001\u8ddf\u55ae\u6258\u6536(Document Collection)\u6216\u76f4\u63a5\u767c\u7968\u4ed8\u6b3e(Open Account)\uff0c\u8996\u4e4e\u5ba2\u6236\u8207\u4f9b\u61c9\u5546\u4e4b\u9593\u7684\u5408\u4f5c\u95dc\u4fc2\u548c\u8b70\u50f9\u80fd\u529b\u3002\u4fe1\u7528\u8b49\u624b\u7e8c\u548c\u8cbb\u7528\u8f03\u591a\uff0c\u4f46\u8f03\u4fdd\u969c\u96d9\u65b9\u3002\u9280\u884c\u53ef\u63d0\u4f9b\u7684\u7522\u54c1\u5305\u62ec\u66ff\u5ba2\u6236\u958b\u7acb\u4fe1\u7528\u8b49(Import LC Issuance)\u548c\u8ca8\u7269\u5230\u6e2f\u6642\u8fa6\u7406\u62bc\u532f\u8cb8\u6b3e(Trust Receipt Loan)\u3002\u5982\u516c\u53f8\u51fa\u53e3\u88fd\u6210\u54c1\u6642\u6536\u5230\u4fe1\u7528\u8b49\uff0c\u5247\u53ef\u4ee5\u8003\u616e\u51fa\u8ca8\u524d\u7533\u8acb\u6253\u5305\u653e\u6b3e(Packing Loan)\uff0c\u7528\u4ee5\u652f\u4ed8\u8cfc\u8cb7\u539f\u6750\u6599\u3001\u751f\u7522\u6210\u672c\u6216\u511f\u9084\u62bc\u532f\uff0c\u5f85\u8ca8\u54c1\u843d\u8239\u51fa\u53e3\u5230\u6d77\u5916\u8cb7\u5bb6\u6642\uff0c\u5247\u53ef\u8b70\u4ed8\u4fe1\u7528\u8b49(LC Negotiation)\uff0c\u63d0\u65e9\u6536\u5230\u92b7\u552e\u6b3e\u9805\uff0c\u9054\u5230\u6700\u4f73\u8cc7\u91d1\u5468\u8f49\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f01\u696d\u70ba\u4e00\u8cbf\u6613\u516c\u53f8\uff0c\u8ca8\u54c1\u4e0d\u7528\u52a0\u5de5\uff0c\u800c\u8cb7\u8ce3\u96d9\u65b9\u5747\u4f7f\u7528\u4fe1\u7528\u8b49\u4ea4\u6613\uff0c\u5247\u53ef\u900f\u904e\u9280\u884c\u958b\u7acb\u80cc\u5c0d\u80cc(Back to Back)\u6216\u524d\u5c0d\u80cc(Front-to-Back)\u4fe1\u7528\u8b49\uff0c\u5206\u5225\u4e3b\u8981\u662f\u524d\u8005\u958b\u7acb\u6642\u5df1\u7d93\u6536\u5230\u8cb7\u5bb6\u7684\u4fe1\u7528\u8b49\uff0c\u800c\u5f8c\u8005\u5247\u662f\u516c\u53f8\u5148\u958b\u7acb\u4fe1\u7528\u8b49\u8cb7\u8ca8\uff0c\u7136\u5f8c\u5728\u6307\u5b9a\u6642\u9593\u5167\u6536\u5230\u8cb7\u5bb6\u7684\u4fe1\u7528\u8b49\u3002\u9019\u985e\u4ea4\u6613\u65b9\u5f0f\u4e00\u822c\u70ba\u5927\u5b97\u5546\u54c1\u4ea4\u6613\u4f7f\u7528\u3002\u53e6\u5916\uff0c\u6709\u4e9b\u8cbf\u6613\u516c\u53f8\u4e5f\u53ef\u9078\u64c7\u8f49\u8b93\u8cb7\u5bb6\u7684\u4fe1\u7528\u8b49(Transfer LC)\uff0c\u5c07\u4fe1\u7528\u8b49\u91d1\u984d\u5168\u90e8\u6216\u90e8\u5206\u8b93\u7d66\u4f9b\u61c9\u5546\u4f5c\u70ba\u7b2c\u4e8c\u53d7\u76ca\u4eba\uff0c\u6309\u898f\u5b9a\u6642\u9593\u5167\u88fd\u55ae\u51fa\u8ca8\u3002<\/p>\n\n\n\n<p>\u5018\u4e0a\u8ff0\u4ea4\u6613\u4e0d\u6d89\u53ca\u4fe1\u7528\u8b49\uff0c\u53ea\u662f\u7c21\u55ae\u7684\u767c\u7968\u4ed8\u6b3e\uff0c\u5247\u53ef\u4ee5\u4f7f\u7528\u9280\u884c\u7684\u5165\u53e3\u767c\u7968\u878d\u8cc7(Import Invoice Finance)\u3001\u8a02\u55ae\u8cb8\u6b3e(Order Packing Loan)\u53ca\u51fa\u53e3\u767c\u7968\u878d\u8cc7(Export Invoice Finance)\u7528\u4ee5\u5728\u8cb7\u8ca8\u3001\u88fd\u9020\u548c\u51fa\u53e3\u4e09\u500b\u4e0d\u540c\u7684\u6642\u9593\u9ede\u5167\u878d\u8cc7\u3002<\/p>\n\n\n\n<p>\u8ddf\u55ae\u6258\u6536(Document Collection)\u5247\u70ba\u4fe1\u7528\u8b49\u548c\u767c\u7968\u4ed8\u6b3e\u4e4b\u9593\u7684\u4e00\u500b\u6298\u8877\u65b9\u6848\uff0c\u5ba2\u6236\u5728\u51fa\u53e3\u6642\u59d4\u6258\u9280\u884c\u4f5c\u70ba\u6258\u6536\u884c\u50b3\u905e\u8ca8\u904b\u6587\u4ef6\u548c\u5176\u4ed6\u4ea4\u6613\u6587\u4ef6(\u5982\u7968\u64da)\u5411\u6d77\u5916\u8cb7\u5bb6\u6536\u53d6\u92b7\u552e\u6b3e\u9805\u3002\u6d77\u5916\u8cb7\u5bb6\u53ea\u6709\u627f\u514c\u6216\u4ed8\u6b3e\u5f8c\u624d\u80fd\u63d0\u53d6\u8ca8\u7269\uff0c\u56e0\u6b64\u8207\u8cd2\u8cec\u76f8\u6bd4\uff0c\u98a8\u96aa\u8f03\u5c11\u3002\u9280\u884c\u4ea6\u53ef\u6191\u8cb7\u5bb6\u9810\u671f\u652f\u4ed8\u7684\u6b3e\u9805\u588a\u6b3e\u7d66\u5ba2\u6236(DA\/ DP Financing)\u3002<\/p>\n\n\n\n<p>\u6709\u4e9b\u6642\u5019\uff0c\u70ba\u4e86\u63a7\u5236\u516c\u53f8\u51fa\u53e3\u8cd6\u8cec\u98a8\u96aa\uff0c\u4f01\u696d\u53ef\u4ee5\u5411\u4fdd\u96aa\u516c\u53f8\u8cfc\u8cb7\u51fa\u53e3\u8cbf\u6613\u4fe1\u7528\u4fdd\u96aa\uff0c\u7528\u4ee5\u4fdd\u969c\u8cb7\u5bb6\u672a\u80fd\u511f\u9084\u51fa\u53e3\u8ca8\u6b3e\u7684\u5546\u696d\u98a8\u96aa\u6216\u8cb7\u5bb6\u6240\u5728\u570b\u5bb6\u7684\u653f\u6cbb\u98a8\u96aa\u3002\u800c\u9280\u884c\u4ea6\u6703\u56e0\u61c9\u98a8\u96aa\u53ef\u63a7\u800c\u63d0\u4f9b\u76f8\u95dc\u7684\u51fa\u53e3\u8cbf\u6613\u4fe1\u7528\u4fdd\u96aa\u8cb8\u6b3e(Export Loan under Trade Credit Insurance) \uff0c\u8b93\u516c\u53f8\u80fd\u63d0\u65e9\u6536\u5230\u92b7\u552e\u6b3e\u9805\u3002\u800c\u5982\u679c\u516c\u53f8\u5e0c\u671b\u901a\u904e\u51fa\u552e\u500b\u5225\u51fa\u53e3\u5546\u7684\u61c9\u6536\u8cec\u6b3e\uff0c\u5f9e\u800c\u6539\u5584\u73fe\u91d1\u6d41\uff0c\u66f4\u53ef\u8207\u9280\u884c\u5354\u5546\u4fdd\u7406\u696d\u52d9(Factoring)\u3002<\/p>\n\n\n\n<p>\u9664\u6b64\u4e4b\u5916\uff0c\u9280\u884c\u8cbf\u6613\u670d\u52d9\u9084\u5305\u62ec\u9280\u884c\u4fdd\u8b49\u66f8(Bank\nGuarantee\/Performance Bond)\uff0c\u7528\u4ee5\u5411\u8cb7\u5bb6\u6216\u5de5\u7a0b\u9805\u76ee\u63d0\u4f9b\u5c65\u7d04\u4fdd\u8b49\uff0c\u6216\u5099\u7528\u4fe1\u7528\u8b49(Standby LC)\uff0c\u7528\u4ee5\u5411\u6d77\u5916\u5b50\u516c\u53f8\u6216\u806f\u71df\u516c\u53f8\u63d0\u4f9b\u7576\u5730\u8cb8\u6b3e\u4fbf\u5229\u3002<\/p>\n\n\n\n<p>\u8cbf\u6613\u8cb8\u6b3e\u5f9e\u9280\u884c\u89d2\u5ea6\u4e00\u822c\u8996\u70ba\u4f4e\u98a8\u96aa\u7522\u54c1\uff0c\u4e3b\u8981\u56e0\u70ba\u9084\u6b3e\u671f\u77ed\uff08\u4e3b\u8981\u70ba3\u81f36\u500b\u6708\uff09\uff0c\u8cb8\u6b3e\u7528\u9014\u660e\u78ba\uff0c\u9084\u6b3e\u4f86\u6e90\u53ef\u4ee5\u638c\u63e1\uff0c\u6240\u4ee5\u5229\u606f\u548c\u8cbb\u7528\u4e00\u822c\u8f03\u5176\u4ed6\u8cb8\u6b3e\u4f4e\uff0c\u6211\u5011\u4ea6\u9f13\u52f5\u4e2d\u5c0f\u4f01\u696d\u4ee5\u8cbf\u6613\u8cb8\u6b3e\u70ba\u4e3b\u8981\u878d\u8cc7\u65b9\u5f0f\u3002<\/p>\n\n\n\n<p>\u5c08\u696d\u7684\u9280\u884c\u7d93\u7406\u4e0d\u55ae\u6703\u63d0\u4f9b\u500b\u5225\u8cbf\u6613\u7522\u54c1\uff0c\u800c\u662f\u6703\u6839\u64da\u5ba2\u6236\u7684\u4ea4\u6613\u60c5\u6cc1\uff0c\u8a2d\u8a08\u878d\u8cc7\u65b9\u6848\uff0c\u5305\u8fa6\u9032\u53e3\u5230\u51fa\u53e3\u4e00\u7cfb\u5217\u7684\u8cbf\u6613\u7522\u54c1\uff0c\u9019\u6a23\u4e0d\u55ae\u5207\u5408\u5ba2\u6236\u5be6\u969b\u8cc7\u91d1\u9700\u8981\uff0c\u4e5f\u540c\u6642\u9054\u81f4\u98a8\u96aa\u53ef\u63a7\u3001\u5408\u7406\u984d\u5ea6\u3001\u76f8\u5b9c\u5229\u606f\u548c\u8cbb\u7528\u3002<\/p>\n\n\n\n<p>\u6211\u5011FinMonster\u7684\u7522\u54c1\u6db5\u84cb\u8c50\u5bcc\uff0c\u767b\u8a18\u6210\u70ba\u6211\u5011\u7684\u4f01\u696d\u7528\u6236\u5f8c\uff0c\u53ef\u4ee5\u7acb\u5373\u900f\u904e\u672c\u5e73\u53f0\u7be9\u9078\u5408\u9069\u7684\u9280\u884c\u7d93\u7406\u548c\u5404\u985e\u8cbf\u6613\u8cb8\u6b3e\u689d\u4ef6\uff0c\u4ee5\u914d\u5408\u696d\u52d9\u767c\u5c55\u3002<\/p>\n\n\n\n<p><a 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