船舶预付款保函助力船舶行业复苏
chuanboxingyeshiguojiazhuangbeizhizaoyedezhongyaozuchengbufen，duiyushuishangjiaotongyunshu、haiyangnengyuankaifa、guofangfanyadianjing、tishengyiguozongheshilijuyouzhongyaoyiyi。tongshi，zuoweiyixiangzonghexingchanye，chuanboxingyekeyouxiaodaidongxiangguanchanyedefazhan。chuanbojiaoyizhongyouyuqibiaodewuzaojiagao、jianzaozhouqizhang、diyukuadudadengteshuxing，qiduiyinxingdengjinrongjigoudezhichijuyouhengaodeyilaixing。muqian，quanqiuchuanboxingyeyijingchengxianchufusujixiang，qiejinnianyilai，fanyadianjingguogongxinbu、fagaiweidengbumenluxufabucujinhaiyanggongchengfanyadianjingjituidonghaiyangjingjifazhanjinrongfanyadianjingdezhidaoxingwenjian，weiyinxingyuchuanboxingyedehezuogongyingdiandinglelianghaodeshichangyuzhengcehuanjing。
zaiyinxingweichuanboxingyetigongdejinrongfanyadianjingzhong，chuanboyufukuanbaohanshizuichangjianyeshizuizhongyaodejinronggongju，youyuchuanboxingyejubeijiaoqiangdezhuanyexingtedian，chuanboyufukuanbaohanxiangjiaoputongdeyufukuanbaohanyecunzaizheyixiechabie。chuanboyufukuanbaohanshiyinxingyuchuanchangzhijianhezuode“qiaomenzhuan”，yibaohanweiqijikaizhanhezuo，jianlibicizhijiandexinrenguanxihou，keyijixuyanshenzhizaochuanqiyeshangyou，weiqiyetigongxiangyingdezhifujiesuanjirongzixuqiu，yucitongshi，yekeweiqiyepeitaoyuanqijieshouhui、lilvdiaoqi、qiquanzuhedewaihuizijinyanshengchanpin，yiguibihuilvfengxian。benwencongyizeshijianlichufa，duichuanboxingyejiyufukuanbaohandexiangguangainianjiyingyongjinxingjieshao，bingduiyinxingyuzaochuanchangzaibanliyufukuanbaohanyewuzhongxuyaozhuyidewentijinxingyixietishi。
案例介绍
泛亚电竞 azaochuanchangyubchuanwugongsiqianshuzaochuanhetong，yuedingachangweibgongsijianzaonsoujizhuangxiangchuan。anzhaohetongyueding，bgongsiduimeisouchuanboanzhaojiedianxiangazhifuyufukuan，tongshi，achangxiangbgongsitigongyinxingchujudeyufukuanbaohan。
weijianqingfukuanyali，bgongsixiangczulingongsishenqingbanlirongzizulin，czulingongsizhenduimeisouchuanshelidanchuangongsi，youdanchuangongsixiangachangzhifubaqiyufukuanjiweikuan，bgongsizaizulinhetongxiafuzujinjidanchuangongsi，zuqijiemanhouqudechuanbosuoyouquan。achangxiangdyinxingluxushenqingkaijuchuanbobaohan，zaibyucjidanchuangongsiqianshuzhuanrangxieyihou，bxiangdyinxingshenqingjiangyufukuanbaohanzhuanrangzhidanchuangongsi。
案例分析
qiyi，lejiechuanboyufukuanbaohan
chuanbozhizaoxingyejuyouhaoshizhang、zijintourudadetedian，duiyuzaochuanchanglaishuo，zaijiaochuanqianxuyaodianfujuezijin，erruguozuizhongchuandongyouyuzhongzhongyuanyinqichuanhuozhejubuzhifukuanxiang，zaochuanchangkenenghuimianlinjiaodadesunshishenzhiyinfapochanfengxian。yinci，zaochuanchanghuiyaoqiuchuandongzaichuanbojianzaoguochengzhongyufuyibufenzijin，yifangmianhuanshishangshuqingkuangzaochengdesunshi，lingyifangmianyehuanjieleshengchansuoxudezijinyali。raner，zaichuanbojiaofuqian，chuanbodesuoyouquanrengshuyuzaochuanchang，yidanchuanbochuxianzhiliangwentihuozhechifu，huozhechuxianzaochuanchangweifanhetongyizhichuandongbuyuanjiechuanshi，chuandongjiukenengmianlin“caiwuliangkong”defengxian。yinci，chuandongcunzaiyudaoshangshuqingkuangshinenggouzhuihuiyijingtourudeyufuzijindexuqiu，chuanboyufukuanbaohanyingyunersheng。
泛亚电竞 suoyi，chuanboyufukuanbaohanyouchengweichuanboyufukuantuikuan/haikuanbaohan，baohanshenqingrenweizaochuanchang，beidanbaorenweizaochuanchangzishenhuozhidingdefenchang，danbaorenweiyinxing，shouyirenweichuandong，danbaodeshirufashengbeidanbaorenweifanhetongdexingweishi，shouyirenyouquanxiangyinxingshenqingtuihuiyizhifujibeidanbaorendeyufukuan。
dangran，yishangsuoshushichuanbobaohandejibenjiegou，zaishijizhong，wangwangyouyuzijinbuzu、bishuihuochuyuqitakaolv，baohandebeidanbaoren、shouyirendengzhutijianghuifashengbianhua，birufashengchuanchangjiandejianbingshougou、yinruchuanchangrongzipingtai、yinrurongzizulingongsideng。
qier，lejiechuanborongzizulin
泛亚电竞 zaishijiyunyongzhong，youyuchuanbozaojiagao，henduoqingkuangxiachuandongxuyaotongguorongzishouduanjiejuefukuanxuqiu，chuanborongzizulinchengweichuanborongzidezhongyaoqudaozhiyi。
泛亚电竞 chuanborongzizulin，gumingsiyi，shiyichuanboweizulinwuderongzizulin，shizhichuzuren（zulingongsi）genjuchengzuren（chuandong）deyaoqiu，xiangchengzurenzhidingdezaochuanchanggoumaichuanbobingzujichengzurenshiyong，chengzurenxiangchuzurenfenqizhifuzujin。zaizulinqinei，chuanbodesuoyouquanshuyuzulingongsi，zuqijieman，chengzurenyijingzhifulequanbukuanxianghuozhezhifuyibimingyiweikuanhou，jihuodelechuanbodesuoyouquan。
泛亚电竞 yibanlaishuo，chuyufengxiangelihuojieyueshuikuandekaolv，chuandonghuizhenduimeiyisouchuansheli“danchuangongsi”，jizhiyongyouyisouchuandegongsi，chulezheisouchuanzhiwaizaiwuqitazichan。zaiyinrurongzizulindemoshizhong，danchuangongsiyourongzizulingongsisheli，jiweirongzizulindespvgongsi，shizulingongsiduitedingzulinwu（chuanbo）jinxingzulinyunyingerzhuanmenshelidegongsi，meiyijiaspv（danchuangongsi）duiyingyibizulinhetong，jinduiyisouchuanbokaizhanrongzizulinyewu，bingshixingdanduguanli、danduhesuan。
jiuxiangsuoyourongzizulinyiyang，chuanborongzizulindehaochufeichangmingxian: chuandongkeyitongguofenqifukuandefangshijiejuezishendeyunyingxuyao，ergeguoshuishoudeyouhuizhengceyekeyijinyibujiangdizijinchengben。zhidezhuyideshi，ruguochuanbojiaoyizhongyinrulerongzizulin，neimezhifuyufukuandeyifangyejiufashenglebianhua，neimezaiyuanchuanboyufukuanbaohandejiegouzhong，xiangguanzhutiyejiufashenglebianhua。
qisan，anlibaohanjiegoufenxi
youyubenanlizhong，chuandongzuizhongxuanzetongguorongzizulingongsilaijinxingyufukuandezhifu，erzulingongsitongguoshelidulidedanchuangongsiwanchengduidanchuandeyufukuandezhifu，suoyibaohanxiangxiashouyirenyejiubuzaishichuanwugongsi，erbianchengledanchuangongsi，jutijiegoujianfutu。
qisi，chulibenanlizhongbaohanxuyaozhuyideshixiang
（1）liqingshijianzhouhexieyiguanxi
泛亚电竞 chuantongshang，chuanbozulinshizulingongsiyuchengzurenzhidingdechuanchangqianshuchuanbomaimaihetong，zaigoumaichuanbohou，yuchengzurenqiandingzulinhetong。erbenanlizelveyoubutong。
泛亚电竞 benanlizhong，zhuyaoshejilesanxianghetong，shouxianshiayubzhijiandezaochuanhetong，zheifenhetongshizhenggejiaoyidekaishi，yeshijichu。yibanlaishuo，zaochuanhetongjunhuiyihuodeyufukuanbaohanweishengxiaotiaojian，suoyidyinxingdebaohanjiyuzaochuanhetongkaichu，binganzhaozaochuanhetongyibzuoweishouyiren。
suizhehetongdequedingchengli（jijiaoyikeyizhengshikaishi），biaodewuqueding，bxiangcshenqingbanlirongzizulin，bingyudanchuangongsiqianshurongzizulinxieyi。zairongzizulinxieyiqianshuhou，zhifuyufukuandeyiwuyijijianzaohetongwangonghou，chuanbosuoyouquanfashenglebianhua，zheijiuyaoqiubaohandeshouyiquanzhuanrang，cishibaohanshouyiquandezhuanrangshijiyua、byudanchuangongsizhijiandezhuanrangxieyichanshengde。
zaibaohanyewuchulizhong，yingduisanxianghetongzhijiandeluojiguanxijinxingshenheyubawo，youyubenanlizhongdanchuangongsizuoweixinmaifangyuzaochuanchangzhijiande“maimaihetong”shizeweizhuanrangxieyi，yingzhuyigaizhuanrangxieyiduiyuanzaochuanhetongzhizhongmaifangzerenyiwudeyizhixing。
（2）banlibaohanzhuanrangfengxianfangfan
泛亚电竞 baohandezhuanrangbenzhishangshizhaiquanzhuanrang，jijiangyuanshouyirenzaibaohanxiangxiadesuopeiquanzhuanrangzhixinshouyiren，fashengbaohanzhuanranghou，yuanshouyirenshijishangyijingtuichulebaohanguanxi，jizaibenanlizhong，baohanfashengzhuanranghou，byiyubaohanbuzaicunzairenheguanlian。
泛亚电竞 yibanlaishuo，baohandezhuanrangjiangshidanbaoyinxingyoudanbaoshenqingren（beidanbaoren）delvyuenenglizhuanxiangtongshidanbaoyuanshouyirenxiangxinshouyirenhuoderongzidehaikuanzeren，qieyouyuxinshouyirenbingfeiyuanjichuhetongdangshiren，gaibaohancunzaizheyujichuhetongzhaiwuxiangtuolidefengxian。
benanlizhong，youyuxinshouyirenweizulingongsi，zulingongsidezijinwangwanglaiziyinxingderongzi，ruguofashengzulingongsiyouyujingyingbushanhuonanyihuoqurongzideqingxing，kenengchuxianwufaanzhaohetongzhifukuanxiang，daozhijichuhetongwufashunlilvxing，congershiyinxingjuanrujiufen，shenzhifashengeyisuopeideqingkuang。
dyinxingkecaiquruxiafangfajinxingfengxianfangfan:
泛亚电竞 shouxian，yingduishenqingrenjinxingchongfendefengxiantishi，yaoqiushenqingrenzaishenqingshuzhongmingqueyouqichengdanyinzhuanrangbaohanerchanshengdefengxian，tongshiyingtixingshenqingrenxiandingzhuanrangcishujishourangren。zaibenanlishijicaozuozhong，dyinxinghaimingqueleyouyuanshouyirentongguoyinxingquerenzhuanrangxieyijibaohanshouyirenbiangengweidanchuangongsi，yuanshouyirenbuzaixiangyoubaohanxiangxiaquanyi。
qici，yingduichuandongxuanzedezulingongsizizhiqingkuangjinxinglejiehebawo，xuanzejingyingqingkuangwending、zairongzinengliqiang，qieshiyongfanyadianjingguo、yingguo、zhongguoxiangganghuoxinjiapodengfalvdezulingongsi，bimianchuxianyouyushiyongfalvyouteshuguidingshi，daozhibaohanshixiaobiandebuquedingdeqingkuang。
zuihou，zhuanrangxieyizhongyingkaolvshezhihuigoutiaokuan，yidanxinshouyirenwulijixuzhifuhetongyaoqiudekuanxiang，yuanshouyirenyingjixulvxingzhifuzeren，quebaojichujiaoyideshunliwancheng。
xuyaozhuyi，zaibenanlizhongyinxingkaichudebaohanyingzhuming“kezhuanrang”。
泛亚电竞 （3）zhuyizhongcaizhifutiaokuandeshezhi
muqian，yinxingbaohanduowei“dulixingbaohan”，yechengwei“jiansuojifu”baohan。dulixingbaohanshizhisuiranjiyujichuhetongkaichu，danbingbuyilaiyujichuhetongguanxierdulicunzaidedanbaofukuanchengnuo。zaidulibaohanzhong，danbaoyinxingbuxiangyoujichuhetongzhaiwurendekangbianquan，jizhiyaoshouyirentijiaoleyubaohanguidingxiangfudesuopeiwenjianhou，danbaoyinxingjiyinglvxingpeifuzeren，erbubiquzhengmingzhaiwurenweifanhetongdeshishi。ranerzaichuanboxingyezhong，ruguofashengchuandongeyiqichuan，qirengkeyichiyufukuanbaohanxiangyinxingtichusuopei，cishirudanbaoxingjiansuojifu，budanzaochuanchangjiangmianlinjudasunshi，yinxingyekenenghuijuanrujiufen，shenzhimianlinxinyongfengxian。
yinci，zaichuanboyufukuanbaohanzhong，xuyaoyinruzhongcaizhifutiaokuan，changjiandeyuedingfangshiwei: rufashengjiufen，qieshouyirenxiangdanbaorentichusuopeihou，danbaorenrushoudaochuanchangtijiaodezhongcaitongzhi，kezanbufukuan，zhidaoxingchengzuizhongdezhongcaijieguo。
danzhidezhuyideshi，zhongcaizhifutiaokuandeshengxiaotiaojianhenzhongyao，zuijiaxuanzeyingshibeidanbaorenheshouyirenzhijianjiyujichuhetongderenhejiufen，zheiyangbaozhangdefanweihuigengjiaquanmian。rujindanbaobaohanxiangxiafukuansuochanshengdejiufen，baozhangdefanweizebijiaoyouxian。
业务建议
shouxian，bawoxingyezhouqi，shishixuanzejieru。conglishiguilvjishujulaikan，chuanboxingyejuyoujiaoqiangdezhouqixingtedian，meigezhouqiyuewei10nianzuoyou。2008nian，shoumeiguocidaiweijisuoyinfadejinrongweijiyingxiang，quanqiuchuanboshichangjinruxiajiangzhouqi，zhijinyiyoushinian。cong2017nianniandi，quanqiuchuanboxingyezhuyaoshujuxianshixingyeyijingchuxianleyidingdefusujixiang，juclarksontongji，2017nianquanqiuchengjiexinchuandingdan8013wanzaizhongdun，tongbizengzhang155%。juzhongguochuanbogongyexingyexiehuitongjishuju，2018niansanjidu，fanyadianjingguozaochuanqiyesandazhibiaoliangzengyijiang，qizhongchengjiexinchuandingdan2534wanzaizhongdun，tongbizengzhang36.2%。danzaidangqiancuozongfuzadeshichanghuanjingxia，xingyedefusuyebingfeitantu，youqishizhongmeimaoyimocakenengdaozhidequanqiumaoyifanghuan，huojiangshihangyunxingyededimizhuangtaiyousuochixu，boluodehaizhishuchuxianxiadiebiaoxian，danshiwulunconglishiguilvhaishicongduofangshujulaikan，chuanboxingyehenkenengchuyuzheiyigexiajiangzhouqidedibuzhendangqi。yinxingyingjiaqiangxingyeyanjiu，zhuyibawoxingyezhouqi，yiqianzhanxingshijiaotiqianbuju，xuanzeshidangdeshijijijijieru。
qici，yibaohanzuoweiquanmianhezuodeqiaomenzhuan。chuanbozhizaogongyeshijishangshiyixiangzonghexingchanye，zaizaochuanguochengzhong，jiangshejiyugangtie、mucai、ranliao、shiyou、tuliao、xiangjiao、huaxuexianwei、yibiaoyiqi、jiaotongyunshujiwuliudengduolingyu、duoxingyezhijiandejiaoyi。chuanboyufukuanbaohanshiyinxingyuchuanchangzhijianhezuode“qiaomenzhuan”，yibaohanweiqijikaizhanhezuo，jianlibicizhijiandexinrenguanxihou，keyijixuyanshenzhizaochuanqiyeshangyou，weiqiyetigongxiangyingdezhifujiesuanjirongzixuqiu，yucitongshi，yekeweiqiyepeitaoyuanqijieshouhui、lilvdiaoqi、qiquanzuhedewaihuizijinyanshengchanpin，yiguibihuilvfengxian。qiyetongguoyinxingduoyuanhuadejinrongfanyadianjingmanzuzishenfazhanxuqiu，eryinxingyezaiweiqiyetigongyilanzizonghejinrongfanyadianjingdetongshihuodelianghaodezonghehuibao，congershixianshuangying。
zaici，jiaqiangzhunrubawo，fangfanxinyongfengxian。duiyuchuanboxingyelaishuo，qishangyouzhuyaoweigangtiexingye，xiayouzhuyaoweihangyunxingye，erchuanboxingyeshuyuzijinmijixingxingye，ruguofashenggangtiejiagejuliebodongdaozhichengbengaozhang，huoshihangyunxingyebujingqidaozhixinchuanjiagexiadiehuodingdanjianshao，shenzhichuandongqichuan，jiangzhijieduichuanboxingyezaochengjiaodayingxiang，yanzhongshijiangshiqiyezijinlianfashengduanlie，qiemuqianzaichuanshidimidehuanjingzhong，chuanboxingyecunzaichannengguoshengdeqingkuang。zheijiujiyinxingruhexuanzehezuodechuanchangtichuleyidingdeyaoqiu。duiyuyinxinglaishuo，zaishichanghuanjingshangweiqingxideqingkuangxia，yingxuanzejubeiyidingguimohezijinshili、jingyingwending、jishulingxianhuochuyuwendingshangshengzhouqi、jiedannengliqiang，qiejubeiyidingduoyuanhuajingyingjiegoudechuanchang，yucitongshi，yeyingduichuanchangdehezuoduishou，jichuandongjinxingyidingdezhunrubawo，ruguochuanchangxinjiedingdanlaizixinyucunyi、shejijiufenjiaoduo、qichuanlvjiaogaodechuandongshi，yinxingyingduicibaochijinshen。
泛亚电竞 zuihou，chuanbojinrongchuangxinrenzhongdaoyuan。dangqian，suiranchuanboxingyeyijingchuxianyidingdefusutaishi，qieguojiaxiangjichutaizhichixingyefazhandewenjian，danfanyadianjingguochuanboxingyerongzinandegangajumianbingmeiyouchuxianmingxiangaishan，rongzifangshirengjiaoweidanyi。suizhechuanboxingyejinruxiayicishangshengqi，qiduijinronggongjudexuqiuyejiangsuizhishangsheng，chuyufukuanbaohanwai，yinxingdengjinrongjigouhaiyinggengduodizongheyunyongmaifangxindai、maifangxindai、yintuandaikuan、rongzizulindengjinrongshouduan，bingjijitansuochuanboxingyehaiwaifazhai、absdengchuangxinxingjinrongshouduan，zaifensanfengxiandetongshi，tuokuanchuanboqiyerongziqudao，zhulixingyedefusuhefazhan。
作者单位: 中信银行总行国际业务部
