银行承兑汇票对中小企业经营的影响分析——以合肥海德公司为例

我国银行承兑汇票业务的发展对国民经济的快速增长具有一定的积极作用,但对于大多数传统型中小企业来说,不仅无法享有银行承兑汇票所产生的收益,而且会因其在市场中的相对弱势,导致企业出现经营利润下降、经营成本提高、经营优势丧失、经营风险加大等一系列负面结果。特别是在我国目前的经济转型期,从中小企业经营数据分析来看,其影响更是多方面的。银行承兑汇票业务对中小企业的经营影响度已不容忽视,应引起中小企业经营者、政府及银行监管者的重视。

Analysis of the Impact of Bank Acceptance Bill on SM Es M anagement：A Case Study of Hefei Haide Company

T he development of bank acceptance bill has a positive effect on Chinese economic grow th , but most traditional small and medium‐sized enterprises（SM Es） ,not only can not benefit from bank‐ers＆#39;acceptances ,but also suffer many negative influence ,such as the profit decrease ,cost increase , losing business advantages and facing higher risks because of its weaker position in market .The re‐sults of the data analysis of SMEs show that they meet multifaceted impacts from bank acceptance bill ,especially in the current period of economic transition . T he impact of bankers＆#39;acceptances on SMEs operating can not be ignored ,which should get enough attention from SMEs operators ,govern‐ment and bank regulators .