本文選題：國(guó)際貿(mào)易融資 + 貿(mào)易融資風(fēng)險(xiǎn)��； 參考：《蘇州大學(xué)》2015年碩士論文

【摘要】：近年來,商業(yè)銀行貿(mào)易融資業(yè)務(wù)數(shù)量不斷攀升,種類不斷豐富,這一業(yè)務(wù)發(fā)展在給銀行帶來收益持續(xù)增加的同時(shí),也使銀行風(fēng)險(xiǎn)不斷上升。如何在貿(mào)易融資大發(fā)展的背景下,提升商業(yè)銀行風(fēng)險(xiǎn)管理能力,強(qiáng)化風(fēng)險(xiǎn)管理體制,正是本文所要探討的重要問題。本文首先分析了貿(mào)易融資發(fā)展的現(xiàn)狀和對(duì)商業(yè)銀行及融資需求方的重要意義。隨后指出貿(mào)易融資快速發(fā)展所帶來的各類風(fēng)險(xiǎn),分析我國(guó)商業(yè)銀行貿(mào)易融資風(fēng)險(xiǎn)管理的現(xiàn)狀和存在的問題,最后探討了我國(guó)商業(yè)銀行如何建立有效的專業(yè)的貿(mào)易融資風(fēng)險(xiǎn)管理體系。本文認(rèn)為貿(mào)易融資較傳統(tǒng)的銀行貸款有其特殊的風(fēng)險(xiǎn),防范貿(mào)易融資風(fēng)險(xiǎn),其前提就是要針對(duì)這些特殊風(fēng)險(xiǎn),包括市場(chǎng)、操作、法律、國(guó)家、外匯、利率、財(cái)務(wù)和信用風(fēng)險(xiǎn)等八個(gè)方面,進(jìn)行風(fēng)險(xiǎn)控制。在風(fēng)控機(jī)制研究中本文重點(diǎn)就貸前、貸中、貸后三個(gè)環(huán)節(jié)進(jìn)行分析。授信是銀行信貸運(yùn)作的第一步,把握好授信環(huán)節(jié),建立針對(duì)貿(mào)易融資的專業(yè)授信是構(gòu)建貿(mào)易融資風(fēng)險(xiǎn)管理的重點(diǎn)。貿(mào)易融資的特點(diǎn),就是在于以貿(mào)易鏈為依托。貿(mào)易融資專業(yè)授信就是在考慮融資申請(qǐng)人自身資信的基礎(chǔ)上,著重把握貿(mào)易鏈上下游關(guān)系、貿(mào)易鏈完成的可行性、融資人在貿(mào)易鏈中地位等。授信準(zhǔn)入后,風(fēng)險(xiǎn)控制的核心在于抓住依托于貿(mào)易鏈的現(xiàn)金流,所以要弄清現(xiàn)金流的過程、方式等諸多因素,利用產(chǎn)品、契約等手段,將現(xiàn)金流置于商業(yè)銀行控制中。貸后管理是貿(mào)易融資業(yè)務(wù)的核心,本文本著理論與實(shí)際相結(jié)合,根據(jù)長(zhǎng)期的貿(mào)易融資工作經(jīng)驗(yàn)與體驗(yàn),提出了一整套如何建立符合貿(mào)易融資發(fā)展的貸后管理模式與建議。本人認(rèn)為,貿(mào)易融資不斷發(fā)展,各類創(chuàng)新不斷推出,風(fēng)險(xiǎn)控制不能成為貿(mào)易融資創(chuàng)新的桎梏,而是要成為貿(mào)易融資創(chuàng)新的保障和推動(dòng)力。
[Abstract]:In recent years, the number of commercial banks' trade financing business has been increasing and the kinds of business are constantly rich. The development of this business not only brings a continuous increase in the profits of banks, but also makes the bank risk rising. Under the background of the great development of trade financing, how to improve the risk management ability of commercial banks and strengthen the risk management system is the important problem to be discussed in this paper. This paper first analyzes the current situation of trade financing and its significance to commercial banks and the demand side of financing. Then it points out the various kinds of risks brought by the rapid development of trade finance, and analyzes the present situation and existing problems of trade financing risk management of commercial banks in China. Finally, it discusses how to establish an effective trade financing risk management system for Chinese commercial banks. This paper argues that trade financing has its own special risks in bank loans. The premise of preventing trade financing risks is to deal with these special risks, including market, operation, law, state, foreign exchange, interest rate. Financial and credit risk and other eight aspects, risk control. In the study of risk control mechanism, this paper focuses on the analysis of three links: before, during and after lending. Credit is the first step in the operation of bank credit. It is the key point to construct the risk management of trade finance by grasping the credit link and establishing the professional credit for trade financing. The characteristic of trade financing is to rely on the trade chain. On the basis of considering the credit of the applicant, the professional credit of trade financing is to grasp the relationship between upstream and downstream of the trade chain, the feasibility of the completion of the trade chain, the position of the financier in the trade chain and so on. After credit access, the core of risk control is to grasp the cash flow relying on the trade chain, so we should make clear the cash flow process, ways and other factors, use products, contracts and other means, put the cash flow in the control of commercial banks. Post-loan management is the core of trade finance business. Based on the combination of theory and practice, according to the long-term experience and experience of trade finance, this paper puts forward a whole set of post-loan management mode and suggestions which accord with the development of trade finance. In my opinion, with the development of trade finance and innovation, risk control should not be the shackles of trade finance innovation, but should be the guarantee and impetus of trade finance innovation.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.33

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本文編號(hào)：1783135