目前我国商业银行提供的出口打包贷款是指凭借出口公司拿来的、由外商开具的信用证,对出口商用于出口的国内收购给予贷款支持,并以出口商交单结汇款直接归还贷款的资金融通方式。这种贷款因其自身的特点,深受银企双方的共同欢迎。一方面,出口打包贷款操作程序简便、快捷,对外贸公司的出口给予了大力支持,所以受到企业的欢迎;另一方面,该信贷业务又具有紧密联系出口国际结算业务的优势,可以扩大银行国际结算业务的份额,可谓一举两得,加之贷款本息依靠信用证项下的出口结汇款直接归还,故贷款收回的安全性较其他一些方式的贷款为佳。因此,出口打包贷款也一直是银行大力倡导的贷款品种。 At present, the export packaged loans provided by commercial banks in our country refer to the loans provided by foreign companies, letters of credit issued by foreign companies, loans provided by exporters for domestic acquisitions for export, and loans directly repayable by exporters’ bills of exchange Financing methods. Because of its own characteristics, this kind of loan has been well received by both banks and enterprises. On the one hand, the operation procedures of export packaged loans are simple and quick; they give strong support to the export of foreign trade companies and are therefore welcomed by enterprises. On the other hand, the credit business has the advantage of being closely linked with export international settlement business and can expand Bank International The share of settlement business can be described as double benefit, together with the direct loan principal and interest reimbursement by export settlement under the letter of credit, so the loan recovery is more secure than some other loans. Therefore, export packaged loans have also been the type of loans strongly advocated by banks.