本文選題：國際貿易融資 + 貿易融資風險�。� 參考：《蘇州大學》2015年碩士論文

【摘要】：近年來,商業(yè)銀行貿易融資業(yè)務數量不斷攀升,種類不斷豐富,這一業(yè)務發(fā)展在給銀行帶來收益持續(xù)增加的同時,也使銀行風險不斷上升。如何在貿易融資大發(fā)展的背景下,提升商業(yè)銀行風險管理能力,強化風險管理體制,正是本文所要探討的重要問題。本文首先分析了貿易融資發(fā)展的現狀和對商業(yè)銀行及融資需求方的重要意義。隨后指出貿易融資快速發(fā)展所帶來的各類風險,分析我國商業(yè)銀行貿易融資風險管理的現狀和存在的問題,最后探討了我國商業(yè)銀行如何建立有效的專業(yè)的貿易融資風險管理體系。本文認為貿易融資較傳統(tǒng)的銀行貸款有其特殊的風險,防范貿易融資風險,其前提就是要針對這些特殊風險,包括市場、操作、法律、國家、外匯、利率、財務和信用風險等八個方面,進行風險控制。在風控機制研究中本文重點就貸前、貸中、貸后三個環(huán)節(jié)進行分析。授信是銀行信貸運作的第一步,把握好授信環(huán)節(jié),建立針對貿易融資的專業(yè)授信是構建貿易融資風險管理的重點。貿易融資的特點,就是在于以貿易鏈為依托。貿易融資專業(yè)授信就是在考慮融資申請人自身資信的基礎上,著重把握貿易鏈上下游關系、貿易鏈完成的可行性、融資人在貿易鏈中地位等。授信準入后,風險控制的核心在于抓住依托于貿易鏈的現金流,所以要弄清現金流的過程、方式等諸多因素,利用產品、契約等手段,將現金流置于商業(yè)銀行控制中。貸后管理是貿易融資業(yè)務的核心,本文本著理論與實際相結合,根據長期的貿易融資工作經驗與體驗,提出了一整套如何建立符合貿易融資發(fā)展的貸后管理模式與建議。本人認為,貿易融資不斷發(fā)展,各類創(chuàng)新不斷推出,風險控制不能成為貿易融資創(chuàng)新的桎梏,而是要成為貿易融資創(chuàng)新的保障和推動力。
[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.
【學位授予單位】：蘇州大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.33

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相關期刊論文 前2條

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本文編號：1783135