我国商业银行国际贸易融资业务发展现状及对策研究(2)

This paper carried on thorough theoretical research in international trade financing, fully revealed its characteristics of strong self-liquidating, low risk, high interest, flexible and perse forms。 This paper pointed out that the international trade financing business is the key business that commercial banks should strive to promote。 At the same time, combined with commercial banks’ financing business practice over the years, pointed out the restricted problems on the development of Chinese commercial banks’ trade financing business。 This paper used Qingdao port financing fraud as typical case, carried on thorough analysis。 Many financial institutions were involved in this case, and the amount was so large, brought huge risks to the involved banks, reflected the problems existing of Chinese commercial banks, this is a typical case。 Domestic commercial banks should take it as a warning, review thoroughly, make a fresh start。 Otherwise, the consequence is unimaginable。

Based on the above analyses, this paper proposed developing strategies for commercial banks’ international trade financing business as follows: 1。On the base of indispensable SWIFT platform for international trade financing business, introduce TSU as soon as possible and develop related products; 2。 Improve coordination mechanism with related parties with the business chain, take the initiative to strengthen cooperation with them; 3。 Perfect the design of internal risk monitoring mechanism; 4。 Develop financing products that can not only meet the demand of market differences also can reduce the financial risks, increase comprehensive trade financing products’ market share; 5。 Call for more macroscopic policy supports and more macro environment improvements 。

Key Words: International Trade Financing ；Risk； Commercial Banks ； TSU

摘要 1

Abstract 2

一、我国商业银行国际贸易融资发展现状 3

（一）国际贸易融资成为商业银行重点发展的业务 3

（二）国际贸易融资规模增长迅速 5

（三）融资方式灵活化、多种化、综合化、 6

（四）国际贸易融资业务风险增加 6

二、制约我国商业银行国际贸易融资业务发展的主要问题 6

（一）我国征信系统还不够完善 6

（二）我国金融体制对贸易融资业务存在制约 7

（三）商业银行风险防控机制还不够完善 8

（四）商业银行国际贸易融资产品供应与市场需求不匹配 10

三、我国商业银行国际贸易融资业务发展策略 11

（一）完善基于 SWIFT 系统的技术平台 11

（二）完善国际贸易融资业务风险防控措施 11

（三）与第三方机构建立良好协作机制 12

（四）建立国际贸易融资业务内部控制体系 13

（五）根据产品分类制定针对性营销策略 13

结束语 14

参考文献 15

致谢 16

我国商业银行国际贸易融资发展现状及对策研究一、我国商业银行国际贸易融资发展现状我国商业银行国际贸易融资业务发展现状及对策研究(2):http://www.youerw.com/jingji/lunwen_99675.html