1、 题目： 国内商业银行国际贸易融资风险浅析 英文文献 ： Along with Chinas foreign trade and WTO, the amount and range will expand rapidly, foreign trade body, to multi-level international trade settlement tool will present diversified and new business, and international trade financing will also showing unprecedented diversit
2、y and complexity and specialization, the potential risk of growing and change. For our country commercial bank, how to grasp the opportunity to expand the international trade finance, LanShou international settlement business, the maximum gain financing efficiency and middle income, simultaneously,
3、and business to effectively prevent and control the financing risk, is worth particular concern. To analyze the current situation Currently our country commercial bank financing business operation management more extensive, not entirely build various financing business strict standards and norms of
4、business operation. International finance business to exempt deposit issuing, export and import and export trade loan package basic form, and like the international factoring and blessing FeiTing etc, more complex business accounts. International trade finance business and markets provide space is c
5、ompared. With Chinas accession to the WTO and the economic reform deeply, in order to cope with the challenges in China, foreign Banks to system of commercial Banks and operation mechanism is doing a shake-up adjustment, step by step to international trade finance business of funds. Therefore, we mu
6、st foreign experiences and lessons of the international trade finance, with the reality of our country, the thorough analysis of international trade finance risk causes, hinder the our country international trade finance the crux of the development. 1 the importance of financing business risks and k
7、now not. Chinas commercial Banks in terms of the structure of business, international trade finance, together with smaller proportion of international business not familiar with, unlike domestic business, therefore, though as handy for international trade financing in international business in an in
8、creasingly important role in understanding, but have to improve bank financing in international trade can profit Force, optimize the quality of loan assets, etc, to the function of international trade is offered by the urgency of financing is not enough attention, to carry out specific means of corr
9、esponding measures, inadequate although these international trade finance business development in China, but compared with economic internationalization, there is considerable difference. Have the number of Banks to international trade finance management business without thorough understanding of th
10、e basic departments, related experience, effective cooperation and support various financing business development and management. Because of this, the international trade financing risk generally know more superficial, international trade financing need not actual use funds, only lent documents or l
11、/c from the customer can earn commissions and financing interest, is zero risk, which led directly to the middle 1990s, the formation of DianKuan credit bank non-performing assets, Two is when problems arise, and after that international trade finance risk, and measures taken to international trade
12、finance credit loans, than the general approval for a long time, restrict the development of the business. 2 Banks internal lack of effective prevention management system, risk control method. International trade financing risk management needs to establish perfect management system, the use of adva
13、nced technology for the operation of each link, monitor and coordination between the bank and the relevant departments of the synergy between branch. But now our bank in foreign exchange business processing procedure is comparatively backward, different between different departments, and those betwe
14、en independent operation, lack of business network resources sharing, lack of management, and coordinated resource sharing cannot be achieved, risk control, the purpose. Such as financing for a department of international business operation of credit risk control, risk control and business developme
15、nt, risk control, appear already the lack of banks internal control and risk professional interdependent. Facing China import and export enterprise general operating losses, with lots of bad debt and bank of objective reality of bank financing trade lurk huge risk. 3 financing business competition d
16、amage risk management standards. Our international trade financing time relative foreign shorter, the market is not mature, various constraint mechanism is not perfect, commercial bank for international settlement with the fierce competition of business, Banks, and a single form of business for more
17、 market share, scrambling to attract customers, the favorable conditions for enterprise customer credit review and also more and more low, relax to trade financing risk control. For example, one bank reduced the charge issuing deposit rate. Some even take credit issuing, margin, Some deficiencies an
18、d guarantee deposit or mortgage formalities under the condition of incomplete foreign open the usance l/c, etc, these practices destroyed risk management standards, and increased risk of bank financing business. 4 lack of compound, the high-quality service personnel. Our country commercial bank in i
19、nternational trade finance business talent shortage, limited human resources management, and focus on the first branch in marketing agency, the less talent for business is bottlenecks. At the same time, the knowledge structure of talents. Because of the Banks are in the international business as ind
20、ependent business to business, the variety of international business department on the set for the international settlement and its joint financing business by the relevant personnel familiar with international settlement and lack only financial accounting and credit management industry knowledge, n
21、ot from the enterprise accounting information and management style accurate judgment and customer credit, international trade financing for the process each link not fully grasp, reduced international business product function and its effect on the market, the risk is lack of the powerful control. 5
22、 international trade finance business is not perfect legal environment. International trade finance business involves the international financial instruments, goods, goods, mortgage, pledge, trust and security requirements of various laws, the rights and obligations of the behavior of a specific leg
23、al definition of financial legislation in China, but obviously lagging development of business. Some international trade finance common practice in our terms and the law is not yet adapted to regulate, for example, in the business of bank claims to the right goods and documents, the bank and its customer relationship between debt to import trade business, whether in a trust receipt, forward
