根据现阶段商业银行的融资审批，大部分的银行都将贷款和融资的审批放在一起

According to the financing approval of commercial banks at this stage, most banks combine the approval of loans and financing together, ignoring the particularity of trade financing. In addition, in the trade finance approval process, there is no corresponding plan to improve the efficiency of approval. For SMEs, SMEs are mainly short-term transactions, and their requirements for trade financing are quick approval and short time to ensure the development of SMEs. However, due to the long time for approval of the loan process and the large amount of content, the efficiency of approval is very low. Small and medium-sized enterprises often miss good business opportunities in the process of trade financing, which affects the economic benefits of small and medium-sized enterprises.

According to the financing approval of commercial banks at this stage, most banks put together the approval of loans and financing, ignoring the particularity of trade financing. In addition, in the trade financing approval process, there is no corresponding program to improve the efficiency of approval. For small and medium-sized enterprises, small and medium-sized enterprises are mainly short-term transactions, its requirements for trade financing is fast approval, short time to ensure the development of small and medium-sized enterprises. However, due to the long approval time of the loan procedures, the content is many, resulting in the efficiency of approval is very low, small and medium-sized enterprises in the process of trade financing often miss good business opportunities, affecting the economic benefits of small and medium-sized enterprises.

According to the financing approval of commercial banks at this stage, most banks put loan and financing approval together, ignoring the particularity of trade financing. In addition, there is no corresponding approval process to improve the efficiency of trade financing. For small and medium-sized enterprises, small and medium-sized enterprises mainly focus on short-term transactions, and their requirements for trade financing are fast approval and short time, so as to ensure the development of small and medium-sized enterprises. However, due to the long approval time and many contents of the loan procedure, the efficiency of approval is very low. SMEs often miss good business opportunities in the process of trade financing, which affects the economic benefits of SMEs.<br>