在国际贸易融资背景下，各大商业银行均放宽了贸易融资的准入门槛，但在中小

In the context of international trade finance, major commercial banks have relaxed the barriers to entry for trade finance, but they lack differentiated treatment compared with large enterprises in terms of trade finance for SMEs. This has led to excessively high thresholds for SMEs in trade finance. Unable to get strong support. For example, when packaging loans, in addition to requiring companies to have a high-level credit bank to issue a letter of credit, they also need to ensure that the company provides guarantees or mortgages, and small and medium-sized enterprises meet these conditions. Limited by large companies not far from guaranteeing risks for SMEs, and also limited by the lack of appropriate collateral, this has severely restricted SMEs' access to international trade financing.

In the context of international trade financing, the major commercial banks have relaxed the entry threshold of trade financing, but in the trade financing of small and medium-sized enterprises compared with large enterprises lack of discrimination, which leads to small and medium-sized enterprises in trade financing threshold is too high to obtain strong support. For example, when packaging loans, in addition to requiring enterprises to have a high-grade credit bank to issue a letter of credit, but also to ensure that enterprises provide guarantees or mortgages, and small and medium-sized enterprises to achieve these conditions. Limited by the risk of large enterprises not far from guaranteeing SMEs, and also limited by the lack of appropriate collateral, which severely restricts SMEs' access to international trade financing.

In the context of international trade financing, all major commercial banks have relaxed the entry threshold of trade financing, but there is no difference between SMEs and large enterprises in terms of trade financing, which leads to the high threshold of small and medium-sized enterprises in trade financing, and they cannot get strong support. For example, when packing up loans, in addition to requiring enterprises to have high-level credit banks to issue letter of credit, they should also guarantee the guarantee or mortgage provided by enterprises, and SMEs can achieve these conditions. Limited by the risk of large enterprises not only guarantee for small and medium-sized enterprises, but also limited by the lack of appropriate collateral, which seriously limits the SMEs to enter international trade financing.<br>