宁波畅想软件股份有限公司

金融支持外贸企业“走出去”

浏览量：1003发布日期：2025-10-28

海关总署近期发布的2025年前三季度进出口情况显示，我国外贸主体积极活跃，前三季度有进出口实绩的外贸企业数量达到70万家，同比增加5.2万家。其中，民营企业61.3万家，进出口19.16万亿元，增长7.8%。然而，在全球经济格局深度调整的背景下，民营企业出海也面临诸如成本高企、汇率风险等挑战。

今年以来，金融行业持续加力稳外贸。国家金融监督管理总局等部门发布《支持小微企业融资的若干措施》，加大对跨境电商等外贸新业态小微企业的金融支持。各地金融监管部门出台相关政策，合力助力外贸企业应对挑战。金融机构围绕外贸企业的痛点，不断优化服务、创新授信模式，为企业出海保驾护航。

以数字化破解授信难。浙江农商联合银行辖内南浔农商银行等金融机构发挥区域优势，梳理外贸企业清单，把企业外贸业务数据转化为可量化的授信依据，有效破解企业有潜力无抵押的困境。中国建设银行广东省分行国际业务部高级经理江飚表示，在服务外贸企业方面，银行应探索提供智慧、共享、普惠、创新的“一站式”服务，让“数据多跑腿，让企业少走路”，有效提升外贸业务办理效率。

强化汇率避险服务。汇率波动给企业带来的不确定风险越来越大，将制约企业可持续再生产。浙江农商联合银行辖内浦江农商银行国际业务部负责人齐亚云认为，银行通过专业高效的汇率避险举措，搭建汇率“避风港”，为企业提供汇率分析、疑难解答等综合金融服务，有效降低企业外贸业务成本。

推动外贸企业发展离不开金融赋能。7月30日，中共中央政治局会议强调，帮助受冲击较大的外贸企业，强化融资支持，促进内外贸一体化发展。中国社会科学院金融研究所银行研究室主任李广子表示，引导金融机构加大对外贸企业的支持力度离不开政策扶持。比如，中国人民银行可以设立专门支持外贸企业的再贷款，鼓励金融机构以较低利率向符合条件的外贸企业发放贷款。

接下来，仍需引导金融机构继续加大对外贸企业的支持力度。中国邮政储蓄银行研究员娄飞鹏认为，通过科技赋能、信息对接等，金融机构可以更有效地满足外贸企业金融需求。对受关税影响较大的企业实施一企一策服务方案，引导银行通过贷款展期、调整还款安排等方式缓解外贸企业短期资金压力，支持企业积极拓展国际市场。\

（来源：经济日报侵删）

畅想软件，数字化管理专家，专业的外贸软件-外贸管理软件-外贸ERP系统-外贸ERP软件-进出口管理系统-进出口贸易系统-供应链管系统

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