摘  要：中国被称之为“全球工厂”，同时也为是世界贸易第一大国。据国际商会（ICC）估算，贸易融资支持着总贸易额中 80%-90%的国际贸易业务。而商业银行是国外贸易企业外源融资主体，国际贸易融资在银行业务分类中占有至关紧要的地位。从企业的角度来看，要想有效化解我国外贸及相关企业的资金短缺问题，就要推动国际贸易融资的发展、增加融资渠道、降低融资成本。从商业银行角度来分析，国际贸易融资收益率较高、风险相对较低、业务相关性强，要求银行配套设施及服务水平高，研究国际贸易融资有利于银行业务创新，提高银行综合竞争力。伴着我国经济进入新的形势，商业银行面临更加残酷且多元的竞争，国际贸易融资便成了银行拓展新业务的重要机遇。对于发达国家，贸易融资占商业银行业务40%的比例来讲，我国总的贸易收入中，国际贸易融资占的比较少。现在各个银行对国际贸易融资条件不足，没有办法达到我国各个企业的需求。84155

我所写的这篇论文重点在于对商业银行贸易融资发展的研究，提出现在各个商业银行应该推行的重点业务是贸易融资业务。以很多年来各大银行的实际发展情况来看，总结出我国国际贸易融资业务发展中所存在的问题。

经过研究，提出以下五点关于贸易融资的发展策略：

1、国际融资中不能没有SWIFT 平台，以最快的速度添加 TSU 系统，并加紧开发相关产品。

2、应该完善与业务链相关的协作机制，加强协调合作。

3、完善银行风险监控机制。

4、开发既能满足市场需求，又能减少风险的产品，加大贸易融资产品的市场占额。

5、呼吁更多的宏观政策支持以及业务环境的改进。

毕业论文关键词：国际贸易融资；风险；商业银行；TSU

Our Country Commercial Bank International Trade Finance Development Present Situation and Strategy Research

Abstract：China is known as "the world's factory", and it is the largest trading nation in the world。 According to the International Chamber of Commerce (ICC)’s estimation, 80%-90% of the total trade value needs the support of trade financing, and commercial banks are the main body of foreign trade enterprises’ exogenous financing source。 International trade financing occupies an extremely important position in the banking business。 In terms of Chinese enterprises, the study of international trade financing can solve foreign trade enterprises and related enterprises’ funding problems, increase the enterprises’ financing channels, reduce business costs。 Viewed from the angle of commercial banks, international trade financing business has characteristics of high-profits, relatively low-risk, close correlation between business, and it has high demands on banks’ hardware facilities and service skills, so it can drive and promote banking innovation, improve their core-competence。

With China's economy stepping into the “new normal” phase , commercial banks face more persified and cruel competitive pressure。 Trade financing business with larger profit space become commercial banks’ inevitable choice to expand new business space。 Contrast to trade financing business of commercial banks in developed countries accounted for over forty percent of the total income, this ratio is much lower in our country。 But at present the development of international trade financing business faces external problems such as: the macro policy and environmental restrictions, discordant service chain and so on。 There are also many problems of commercial banks themselves: low level of technical skills, incomplete risk prevention and control measures, low level of products and so on。 Unable to satisfy the enterprises’ persity demands。 Advancing the course of business is so difficult。