發(fā)布時(shí)間：2018-10-29 22:45

【摘要】：近年來(lái)，，隨著我國(guó)國(guó)際貿(mào)易的迅速發(fā)展，企業(yè)對(duì)于國(guó)際貿(mào)易融資的需求逐步提高，我國(guó)商業(yè)銀行的國(guó)際融資業(yè)務(wù)迎來(lái)了巨大的發(fā)展空間。由于受到業(yè)務(wù)開(kāi)展時(shí)間以及整體風(fēng)險(xiǎn)防范水平的雙重影響，工行黑龍江省分行的國(guó)際貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)防范雖然取得了一定的成績(jī)，但仍然存在著明顯的差距和不足。因此，工行黑龍江省分行加強(qiáng)對(duì)國(guó)際貿(mào)易融資風(fēng)險(xiǎn)的管理就顯得尤為重要。 本文首先闡述了國(guó)際貿(mào)易融資業(yè)務(wù)的分類和特點(diǎn)，介紹了國(guó)際貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)的種類和幾種常見(jiàn)的國(guó)際貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)管理的方法；然后以工行黑龍江省分行為研究對(duì)象，分析了該行國(guó)際貿(mào)易融資業(yè)務(wù)以及國(guó)際貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)管理的現(xiàn)狀，從風(fēng)險(xiǎn)認(rèn)識(shí)、內(nèi)部控制、融資方式和對(duì)象、人才、法律法規(guī)等方面指出了工行黑龍江省分行在國(guó)際貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)管理方面存在的問(wèn)題；最后，針對(duì)上述問(wèn)題，提出了工行黑龍江省分行加強(qiáng)國(guó)際貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)管理的下列對(duì)策：完善內(nèi)控體系及提高風(fēng)險(xiǎn)防范意識(shí)，調(diào)整內(nèi)部機(jī)構(gòu)且合理規(guī)范流程，優(yōu)化特定客戶審批流程并提高審批效率，加快國(guó)際貿(mào)易融資業(yè)務(wù)產(chǎn)品創(chuàng)新，培養(yǎng)高素質(zhì)人才。
[Abstract]:In recent years, with the rapid development of China's international trade, the demand for international trade financing has been gradually increased, and the international financing business of Chinese commercial banks has ushered in a huge development space. Because of the dual influence of the time of business development and the level of overall risk prevention, although ICBC Heilongjiang Branch has made certain achievements in international trade financing business risk prevention, there are still obvious gaps and deficiencies. Therefore, ICBC Heilongjiang Branch to strengthen the management of international trade financing risk is particularly important. This paper first describes the classification and characteristics of international trade finance business, introduces the types of international trade financing business risk and several common international trade finance business risk management methods; Then, taking ICBC Heilongjiang Branch as the research object, this paper analyzes the current situation of ICBC's international trade financing business and the risk management of international trade financing business, from the risk understanding, internal control, financing methods and objects, talent, The problems of ICBC Heilongjiang Branch in the risk management of international trade financing are pointed out in the aspects of laws and regulations. Finally, aiming at the above problems, this paper puts forward the following countermeasures for ICBC Heilongjiang Branch to strengthen the risk management of international trade financing business: perfecting the internal control system and raising the awareness of risk prevention, adjusting the internal organization and reasonably standardizing the process, Optimize the approval process of specific customers, improve the efficiency of approval, speed up the innovation of international trade financing products, and train high quality talents.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F272.3;F832.2

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