Small and medium-sized foreign trade enterprises are an important strength of national economy in our country, pushing the development of national economy, constructing the main body of market economy and promoting the stable of social foundation. At present ,the Small and medium-sized foreign trade enterprises possess a more and more important function in insuring national economy to increase, alleviating employment pressure, carrying out building the nation with science and technology appropriately, encouraging folks investments etc. Through several years development recently, Small and medium-sized foreign trade enterprises have already become a vital part of national economy development in our country, but the financial problems have deeply effected the further development of these enterprises. The biggest challenge which the small and medium-sized foreign trade enterprises have to face is their difficulties in raising funds。
This article studies the current loan situation to which the small and medium-sized foreign trade enterprises face on the bank and themselves and others firstly. Then analyze the main reasons why they have difficulties in financing. It dues to the characteristic of the enterprises themselves, the guarantee condition, the system of finance and Credit system etc. At last, bring up a new model financing way by studying the characteristics of the export credit insurance of making use of almost lower outlet credit trade financing and other measures have been brought forward to resolve the problems of financing difficult in small and medium-sized foreign trade enterprises.