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1、中小企业融资及风险管理,欧阳丽玲,渣打银行大中华区及日本工商金融服务部董事总经理,议程,香港的优势,香港银行服务及融资的优势,风险管理,内地企业寻求海外金融服务的目标,持续业务增长要扩大销售市场，不能只靠单一化市场,降低金融风险可选择不同的集资渠道，分散投资领域,投资香港的优势,自由开放的经济体制廉洁高效的政府高度健全的金融制度成熟先进的金融市场多元化的金融产品国际市场信息的流通和对等简单的税务制度和低税率 预提所得税优质可靠的专业服务舒缓内地人民币升值所带来的融资成本压力,预提所得税,香港股东,中国企业,股利,海外股东,(避免双重征税的安排),股利,预提所得税:10%,预提所得税:5%*,中
2、国企业,*需附合某些预设条件,贸易融资例子:增强公司财务上的灵活性,采购,销售,在中国融资,中国公司,香港子公司/关系公司,海外买家,中国买家,如信用证、保理、进出口融资等,在香港融资,一间民企在内地设厂而在香港亦设有采购和销售的关系公司，正积极向海外发展香港银行利用独有一站式理财顾问服务，成功为客户制定金融解决方案,令公司能灵活地在两地融资，增强竞争性,香港银行服务及融资的优势,融资服务,融资服务利用全球综合授信额度的方式为内地企业及其海外的成员企业提供融资,包括商业贷款、担保业务、保理业务、进出口融资及押汇业务等,短期商业贷款支持企业的日常营运和短期资本需求，如账户透支、循环贷款等。,中长
3、期商业贷款支持企业的业务拓展或大型开支，如购买物业、采购大型的 机械设备等。,应收帐款买断、国外经销商融资服务提供协助企业促进产品的销售和海外业务的拓展。,信用担保为企业的发展奠定良好的基础。,中小企融资,一般做法是提供抵押品好处是能快捷地安排融资,在没有抵押品的情况下，银行一般要求高透明度的营运状况例如要求客户提供季度财务报表，应收账，存货量，订单数量，现金流状况等等,对中小企的提示:装运前融资,3.装运前融资,2.利用采购单副本申请装运前融资,1.采购单,海外买家,中小企,银行融资,例子一,对中小企的提示:装运后融资,1.利用提货单或相关文件申请装运后融资,2.装运后融资,海外买家,3.海
4、外买家于到期日汇款致银行,银行融资,中小企,例子二,资本市场产品和服务,银行可以为企业量身订造融资方案例如：银团贷款、发行债券、项目融资等,银行可以为内地企业提供专业的顾问咨询和融资服务協助企业在海外收购、海外上市、私募融资等方面,收款银行服务,成功例子多不胜数如:比亚迪,大规模公开招股例子,风险管理,风险管理,行业前景,社会及环保责任,国家规管,替代品,竞争,外汇,金融市场产品和服务,香港银行能为内地企业提供更丰富的金融产品和服务，协助企业有效地规避金融风险，优化资本结构。,现货外汇远期外汇外汇期权及其他外汇衍生产品利率衍生产品商品衍生产品等,个案研究,个案二：一家從事生产的企业在港开设销售
5、部门，经常有贸易往来香港银行利用外汇衍生产品协助客户优化资本,个案一：一家食品业民企在香港银行户口存放庞大资金香港银行的客户经理建议客户把在港的小部份资金进行增长收益的工具，优化资金的运用在三个月内替客户赚取多于港币九百万的利润,網上平台,香港,中国,印度,非洲,买家/卖家,财务报告,如何管理子公司/关系公司的帐目,客户总公司在国内设有生产线，亦于香港、印度及非洲等地设有办事处香港银行根据客户在全球的业务布局，通过分支网点为内地总部及其成员企业在国内外的收付款提供相应的现金管理平台，通过网上银行，协助客户建立全球化的现金流管理网络。客户亦可即时掌握各地分支的财务状况，一目了然。,风险管理的建议
6、:个案分析,打包贷款,工程公司,跨国企业,服务合同提供搭棚工程,例子一：,風險管理的建議:个案分析,一家室内电话制造商，由于过度增长，带来沉重的财务负担,香港银行客户经理因此建议客户减慢增长速度多利用保理服务以节省利息成本引入策略性投资者以减低负债比率,企业因此能稳健增长,例子二：,善用香港銀行的優勢,渣打银行業務遍佈全球70+國家1,700+家分行73,000+員工渣打服務內地和香港企業一百五十年，深明企業的需要,渣打银行联络人,欧阳丽玲-董事总经理大中华区及日本工商金融服务部企业银行及金融机构部電郵:(852)2821-1988電郵:Ivy.Au-Y谢应田-总监兼部门主管香港及珠江三角洲-
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