| 业务创新与发展
Business Innovation and Development
2008 年，中国进出口银行以业务创新为主要内涵，以市场营销、创新业务和融资协调为手段，先后与政府部门、地方政府、集团公司等签署战略合作协议23项。通过金融创新，破解企业在发展过程中遇到的融资难题，激发企业发展的活力，在改革创新中实现自我发展和完善，实现了政策性、安全性和效益性统一的目的。
全年，创新业务批贷金额约合1823.23亿元人民币,占全行同期批贷总额的48.83％；创新业务放贷金额约合1283.14亿元人民币，占全行同期放贷总额的43.33％；创新产品新增贷款余额约合782.39亿元人民币，占全行同期新增贷款余额的60.10％。创新业务贷款余额合计1244.62亿元人民币。
In 2008 , by adopting various approaches including marketing
, business innovation and financing coordination , the Bank
signed 23 strategic cooperation agreements with Chinese central
government ministries and local governments , and corporation
groups Innovative financial services were provided to address
financing problems facing Chinese companies intheirdevelopment
, which helped to boost their growth vitality and facilitate
self-development through reform and innovation By doing 50
, the Bank succeeded in meeting its targets in policy , asset
safety and profitability.
Throughout the year, the approved credit within the innovation
business category stood at RMB 182.323 billion, 48.83% of
the Bank's total , with RMB 128.314 billion disbursed, 43.33%
of the total.Loan outstanding of innovative products rose
by RMB 78.239 billion over last year, which accounted for
60.1% of the Bank's total new outstanding. The year-end outstanding
of this business line scored RMB 124.462 billion.
一、信贷业务不断创新
CONTINUOUS INNOVAT10N IN CREDIT BUSINESS
在信贷产品方面，通过与银行及非银行金融机构、高科技园区和开发区、大企业和大集团等合作搭建各类融资平台，扩大了对中小企业的融资面。截至2008年末，累计发放中小企业统借统还贷款10.34亿元，贷款余额6.63亿元。在担保机制方面，设计推出了中小企业出口融资担保业务。
大力拓展农产品出口卖方信贷等业务，支持了果汁、番茄制品等农产品出口及出口加工基地建设，培育了一批成长性好、带动力强的农产品龙头企业，并以此带动了农民增收。积极支持有比较优势的农业产业化企业“走出去”，特别是在发展中国家开展农业开发与合作，相关农业示范园项目正逐步推开。
为提升我国对外旅游服务贸易发展水平和竞争能力，带动中华文化和价值观的输出，试点开办了旅游文化国际化贷款。积极开办文化产品和服务（含动漫）出口信贷，努力为企业提供“文化、旅游、科技一揽子”融资支持。
为贯彻落实科技兴贸战，推动我国出口增长，开办出口基地建设贷款和出口企业固定资产投资贷款，改善了出口企业经营环境，帮助出口型企业提高自主创新能力和产业竞争力。
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