SMEs In Singapore Less Optimistic About Business Climate

There is an article in today papers which says that local SMEs are less confident about the economic climate.
They are worried that their customers will not be able to pay them on time or at all. And on the other hand, they are also worried that they will not receive their goods from their suppliers because of the bad business climate overseas and around the world.
Therefore, local SMEs are turning to banks to act as the middlemen and bridge the 'pay first get goods later, or get goods first pay later' Gap.
That is, International Trade Finance, which is something that commercial banking depts offer.