本文關(guān)鍵詞：我國商業(yè)銀行開展信用證融資的模式分析　出處：《西南財經(jīng)大學》2012年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 信用證融資 中資商業(yè)銀行 融資模式 外資商業(yè)銀行 優(yōu)化建議

【摘要】：信用證融資作為國際貿(mào)易通用的融資手段,可以有效的解決國際貿(mào)易中企業(yè)面臨的資金結(jié)算安全及效率問題,使企業(yè)的資金能夠更高效的運轉(zhuǎn),加速自身的發(fā)展壯大。近幾年來,信用證融資業(yè)務已成為我國中資商業(yè)銀行轉(zhuǎn)變盈利模式和業(yè)務發(fā)展模式的重要工具。信用證融資業(yè)務發(fā)展的歷程大致經(jīng)歷了從傳統(tǒng)的信用證融資發(fā)展到以信用證融資組合產(chǎn)品為核心的結(jié)構(gòu)性貿(mào)易融資階段。我國中資商業(yè)銀行正在積極努力的學習和開展結(jié)構(gòu)性貿(mào)易融資。 信用證融資是銀行一項影響較大、利潤豐厚、周轉(zhuǎn)期短的融資業(yè)務,各大銀行都把信用證融資放在十分重要的地位。主要的傳統(tǒng)信用證融資產(chǎn)品包括信用證開證授信、進口押匯、提貨擔保、打包貸款、出口押匯、福費廷等。我國的中資商業(yè)銀行大多數(shù)目前已經(jīng)可以全面開展這些信用證融資業(yè)務,但是在信用證融資的組合產(chǎn)品運用方面與外資銀行相比,還有很大的差距�？梢哉f,我國中資銀行的信用證融資業(yè)務還停留在傳統(tǒng)的貿(mào)易融資業(yè)務階段,而境內(nèi)外資機構(gòu)已經(jīng)可以熟練運用各種信用證融資產(chǎn)品的組合,將信用證融資業(yè)務發(fā)展到結(jié)構(gòu)性貿(mào)易融資的階段。通過這些結(jié)構(gòu)性貿(mào)易融資產(chǎn)品,外資銀行不僅可以獲得更大的市場份額,而且可以得到更加豐厚的中間業(yè)務收入的回報。 本文在系統(tǒng)梳理我國商業(yè)銀行信用證融資模式和其發(fā)展的基礎(chǔ)上,結(jié)合實務,以我國中資商業(yè)銀行信用證融資與外資商業(yè)銀行的融資方案的對比,對我國中資商業(yè)銀行信用證融資進行了比較實證研究,并得出一些有益的結(jié)論。文章進一步探索了目前中資商業(yè)銀行信用證融資開展過程中出現(xiàn)的問題,最后,有針對性的提出了關(guān)于如何更好地發(fā)展我國中資商業(yè)銀行開展信用證融資業(yè)務的建議。 全文共分六章,第一章論述了選題的背景和意義以及國內(nèi)外關(guān)于信用證融資理論的研究成果,說明了論文的結(jié)構(gòu)和創(chuàng)新點。第二章為我國商業(yè)銀行開展信用證融資的一般分析,介紹了信用證融資的基本概念,融資模式,運作過程以及發(fā)展歷程等。第三、四和五章以實務案例的形式對比了我國中資商業(yè)銀行和外資商業(yè)銀行具體開展信用證融資業(yè)務時的方案設(shè)計、收益和成本以及方案的優(yōu)劣等,通過案例的比較分析,總結(jié)出我國中資商業(yè)銀行在開展信用證融業(yè)務時的具體問題。針對這些問題,第六章對我國中資商業(yè)銀行開展信用證融資業(yè)務提出了優(yōu)化建議,以適應日益激烈的競爭,推動我國信用證融資業(yè)務的快速發(fā)展。
[Abstract]:The credit financing of international trade as the general means of financing, capital settlement safety and efficiency can effectively solve the problems facing enterprises in international trade, make enterprise capital to more efficient operation, accelerate the development of its own. In recent years, credit financing has become an important tool for Chinese commercial bank profit model and business development mode. The course of credit financing business development has experienced from traditional credit to credit financing combination products as the core of the structural trade financing stage of development financing. China's commercial banks are actively trying to learn and carry out structural trade financing.
Credit bank financing is a greater impact, profits, turnover short financing, major banks have put credit financing on an important position. The main products include traditional credit financing credit credit, negotiation, delivery guarantee, packing loan, export bills, forfaiting in China. The Chinese funded commercial banks now can fully carry out most of these credit financing, but in the portfolio of credit financing use compared with foreign banks, there is a big gap. It can be said that the Chinese funded bank credit financing still remain in the stage of traditional trade finance business, and foreign capital can be combined institutions within the skilled use of a variety of credit financing products, the credit financing to the development of structured trade finance. Through these structural trade financing products, Foreign banks can not only get a bigger market share, but also get a more lucrative return on the income of the middle business.
Based on the systematic credit financing model of commercial banks in China and its development, combined with the practice, in order to compare the financing scheme of China's commercial banks credit financing and foreign commercial banks, the credit financing of Chinese funded commercial banks were compared with the empirical study, and this paper draws some useful conclusions. To further explore the current credit financing of Chinese commercial banks to carry out the problems in the process, finally, puts forward the suggestion on how to better the development of China's commercial banks to carry out credit financing.
This thesis consists of six chapters, the first chapter discusses the background and significance as well as domestic and foreign credit financing theory research results of the topic, describes the structure and innovation of the thesis. The second chapter is China's commercial banks to carry out credit card financing analysis, introduces the basic concepts of credit, credit financing, operation the process and development process. The third, fourth and five chapter to form the comparative case of Chinese commercial banks and foreign commercial banks to carry out specific credit financing scheme design, revenue and cost advantages and solutions inferior by comparison and analysis of the case, summed up China's commercial banks to carry out credit in concrete when the financial business problems. To solve these problems, the sixth chapter puts forward the optimization suggestions for Chinese commercial banks to carry out credit financing, in order to adapt to the fierce competition, promote The rapid development of L / C financing business in China.

【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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