發(fā)布時(shí)間：2019-05-22 13:30

【摘要】：國(guó)際貿(mào)易融資業(yè)務(wù)是銀行為進(jìn)出口商提供的解決國(guó)際結(jié)算中的資金融通或信用問(wèn)題的便利服務(wù)。高收益、低風(fēng)險(xiǎn)、資本占用少的特點(diǎn)使得其在國(guó)際金融市場(chǎng)中逐漸成為商業(yè)銀行的新寵,成為商業(yè)銀行最主要的業(yè)務(wù)之一。國(guó)際貿(mào)易融資業(yè)務(wù)在國(guó)外發(fā)展比較早,在銀行業(yè)務(wù)中占比較大。從我國(guó)恢復(fù)WTO席位以來(lái),我國(guó)國(guó)際貿(mào)易發(fā)展迅速,國(guó)內(nèi)商業(yè)銀行貿(mào)易融資業(yè)務(wù)也隨著擴(kuò)張和創(chuàng)新。近幾年我國(guó)商業(yè)銀行在國(guó)際貿(mào)易融資業(yè)務(wù)方面取得了較大的發(fā)展,但是仍然處于起步階段。隨著我國(guó)國(guó)際貿(mào)易規(guī)模的不斷擴(kuò)大,一方面,對(duì)外貿(mào)易額和貿(mào)易范圍也最逐漸擴(kuò)大,其復(fù)雜性和不確定性也明顯增加,我國(guó)進(jìn)出口商面臨的資金短缺困境更加嚴(yán)峻；另一方面,進(jìn)出口貿(mào)易方式和進(jìn)出口結(jié)構(gòu)也發(fā)生翻天地覆的改變,進(jìn)出口商迫切需要新的貿(mào)易融資服務(wù)。而且,當(dāng)前電子商務(wù)的迅速崛起,互聯(lián)網(wǎng)技術(shù)逐漸被運(yùn)用于各行各業(yè)。國(guó)際貿(mào)易融資業(yè)務(wù)的創(chuàng)新順應(yīng)時(shí)代的需求�；诋�(dāng)前國(guó)內(nèi)外市場(chǎng)的新形勢(shì)下,本論文對(duì)我國(guó)商業(yè)銀行的貿(mào)易融資創(chuàng)新問(wèn)題進(jìn)行研究,從理論和實(shí)踐層面對(duì)國(guó)際貿(mào)易融資創(chuàng)新進(jìn)行研究,探索更加科學(xué)有效的貿(mào)易融資業(yè)務(wù),具有重要的理論和現(xiàn)實(shí)意義。理論層面上,我國(guó)對(duì)該領(lǐng)域的沒(méi)有系統(tǒng)性全面深入的研究,本論文研究課題有助于推進(jìn)我國(guó)對(duì)商業(yè)銀行貿(mào)易融資業(yè)務(wù)的進(jìn)一步發(fā)展；實(shí)踐層面上,繼美國(guó)貸危機(jī)引發(fā)全球金融危機(jī)之后,國(guó)際貿(mào)易市場(chǎng)持續(xù)低迷,買(mǎi)方市場(chǎng)萎靡,我國(guó)國(guó)際貿(mào)易商亟需資金支持,而且央行和監(jiān)管當(dāng)局頒布了一系列積極政策希冀推動(dòng)人民幣國(guó)際化進(jìn)程,所以國(guó)際貿(mào)易融資業(yè)務(wù)是當(dāng)前我國(guó)商業(yè)銀行極具發(fā)展前途的業(yè)務(wù)之一。貿(mào)易融資業(yè)務(wù)的創(chuàng)新有力促進(jìn)我國(guó)對(duì)外貿(mào)易的快速健康發(fā)展。本論文從商業(yè)銀行的視角,分五個(gè)層面對(duì)國(guó)際貿(mào)易融資業(yè)務(wù)進(jìn)行創(chuàng)新研究。第一層面簡(jiǎn)單介紹國(guó)際貿(mào)易融資業(yè)務(wù)的起源、發(fā)展現(xiàn)狀及意義,同時(shí)概況分析發(fā)達(dá)國(guó)際貿(mào)易融資業(yè)務(wù)發(fā)展現(xiàn)狀。從而引出論文第二層面,對(duì)我國(guó)現(xiàn)階段主要的貿(mào)易融資產(chǎn)品進(jìn)行分類介紹。第三層面是重點(diǎn)分析了我國(guó)現(xiàn)階段貿(mào)易融資產(chǎn)品存在的主要問(wèn)題及原因。第四層面則是本論文的重點(diǎn),在前面內(nèi)容的奠定下,對(duì)我國(guó)貿(mào)易融資產(chǎn)品進(jìn)行創(chuàng)新的研究。最后一個(gè)層面則是對(duì)實(shí)施創(chuàng)新性貿(mào)易融資產(chǎn)品的保障措施的研究。通過(guò)橫向比較和縱向延伸的研究方法和一系列圖表和統(tǒng)計(jì)數(shù)據(jù)展示,本論文對(duì)國(guó)內(nèi)商業(yè)銀行貿(mào)易融資業(yè)務(wù)的創(chuàng)新提出客觀性問(wèn)題,從實(shí)際業(yè)務(wù)情況真實(shí)剖析問(wèn)題,從制度創(chuàng)新、產(chǎn)品創(chuàng)新和技術(shù)創(chuàng)新三個(gè)層面對(duì)我國(guó)商業(yè)銀行國(guó)際貿(mào)易融資業(yè)務(wù)創(chuàng)新進(jìn)行設(shè)計(jì)。
[Abstract]:International trade financing business is a convenient service for importers and exporters to solve the financing or credit problems in international settlement. Because of the characteristics of high income, low risk and low capital occupation, it has gradually become the new favorite of commercial banks and one of the most important businesses of commercial banks in the international financial market. International trade financing business developed earlier in foreign countries and accounted for a large proportion in banking business. Since China restored its WTO seat, China's international trade has developed rapidly, and the trade financing business of domestic commercial banks has also expanded and innovated. In recent years, Chinese commercial banks have made great progress in international trade financing business, but they are still in their infancy. With the continuous expansion of the scale of international trade in China, on the one hand, the volume of foreign trade and the scope of trade are also the most gradually expanding, its complexity and uncertainty are also significantly increased, the shortage of funds faced by importers and exporters in China is more serious; On the other hand, import and export trade mode and import and export structure have also changed, importers and exporters urgently need new trade financing services. Moreover, with the rapid rise of e-commerce, Internet technology is gradually used in various industries. The innovation of international trade financing business conforms to the needs of the times. Based on the new situation of domestic and foreign markets, this paper studies the innovation of trade financing of commercial banks in China, studies the innovation of international trade financing from the theoretical and practical levels, and explores more scientific and effective trade financing business. It has important theoretical and practical significance. On the theoretical level, there is no systematic and comprehensive in-depth research on this field in our country, and the research topic of this paper is helpful to promote the further development of trade financing business of commercial banks in our country. On the practical level, after the global financial crisis caused by the loan crisis in the United States, the international trade market continues to be depressed and the buyer's market is depressed. China's international traders are in urgent need of financial support. Moreover, the central bank and regulatory authorities have issued a series of positive policies in order to promote the process of RMB internationalization, so the international trade financing business is one of the most promising business of commercial banks in China at present. The innovation of trade financing business can effectively promote the rapid and healthy development of China's foreign trade. From the perspective of commercial banks, this paper makes innovative research on international trade financing business from five levels. The first level briefly introduces the origin, development status and significance of international trade financing business, and analyzes the development status of international trade financing business in developed countries. Thus leads to the second level of the paper, the main trade financing products in China at the present stage are classified and introduced. The third level focuses on the analysis of the main problems and causes of trade financing products in China at the present stage. The fourth level is the focus of this paper, under the establishment of the previous content, the innovation of trade financing products in China. The last level is the study of the implementation of innovative trade financing products safeguards. Through horizontal comparison and vertical extension of research methods and a series of charts and statistical data, this paper puts forward the objective problem of the innovation of trade financing business of domestic commercial banks, analyzes the real problems from the actual business situation, and from the institutional innovation, Product innovation and technological innovation are designed for international trade financing business innovation of commercial banks in China.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2;F752.62

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