本文關(guān)鍵詞：中國銀行信用證業(yè)務(wù)風(fēng)險(xiǎn)管理研究　出處：《中國海洋大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信用證 風(fēng)險(xiǎn)識(shí)別與評(píng)估 風(fēng)險(xiǎn)管理 電子化

【摘要】：隨著全球經(jīng)濟(jì)的快速發(fā)展,國際間的貿(mào)易結(jié)算越來越頻繁,匯款、托收與信用證逐步發(fā)展成為了國際結(jié)算中的三大支付工具。由于具有以銀行信用承擔(dān)第付款責(zé)任的特點(diǎn),信用證逐步取代商業(yè)信用,發(fā)展成為了國際結(jié)算中最為重要的結(jié)算工具。也正因?yàn)殂y行信用的加入,保證了信用證業(yè)務(wù)的順利流轉(zhuǎn),同時(shí)促進(jìn)了國際貿(mào)易的整體進(jìn)程。中國銀行一直是信用證業(yè)務(wù)領(lǐng)域?qū)I(yè)與標(biāo)準(zhǔn)化操作的典范,無論在市場份額、業(yè)務(wù)創(chuàng)新方面,都保持業(yè)內(nèi)領(lǐng)先地位。在當(dāng)前新的經(jīng)濟(jì)形勢、監(jiān)管要求與網(wǎng)絡(luò)金融的挑戰(zhàn)下,如何開展風(fēng)險(xiǎn)防范、采取符合自身需求并且行之有效的管理辦法和程序,成為了中國銀行在實(shí)際業(yè)務(wù)中應(yīng)當(dāng)重點(diǎn)考慮和深入研究的問題。本文運(yùn)用文獻(xiàn)綜述和實(shí)際調(diào)查相結(jié)合的方法,在信用證業(yè)務(wù)風(fēng)險(xiǎn)管理的相關(guān)理論基礎(chǔ)上聯(lián)系工作實(shí)際,整理分析了中國銀行信用證業(yè)務(wù)的基本情況、業(yè)務(wù)管理架構(gòu)、業(yè)務(wù)風(fēng)險(xiǎn)與授信管理要求；有步驟地識(shí)別了信用證業(yè)務(wù)中的潛在風(fēng)險(xiǎn)：買方風(fēng)險(xiǎn)、賣方風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)、電子化風(fēng)險(xiǎn)；通過歸納總結(jié)與邏輯演繹相結(jié)合的方法,力求全面分析與評(píng)估信用證業(yè)務(wù)中的潛在風(fēng)險(xiǎn)；利用規(guī)范研究和案例分析相結(jié)合的方法,較為深入地分析了信用證業(yè)務(wù)風(fēng)險(xiǎn)管理的重要性。本文在注重引用現(xiàn)代國內(nèi)外理論資料的同時(shí),配以商業(yè)銀行信用證業(yè)務(wù)實(shí)際案例為對(duì)象進(jìn)行研究,加強(qiáng)論文的可操作性,希望可以擴(kuò)展和深化對(duì)信用證業(yè)務(wù)風(fēng)險(xiǎn)問題的理解廣度和深度。隨著國際貿(mào)易電子化趨勢的發(fā)展,傳統(tǒng)信用證業(yè)務(wù)已不能滿足國際貿(mào)易結(jié)算的快速需求。2013年以來,信用證出現(xiàn)了以電子交單為代表的電子化業(yè)務(wù)形式。本文在傳統(tǒng)信用證業(yè)務(wù)風(fēng)險(xiǎn)管理的基礎(chǔ)上,增加了對(duì)信用證業(yè)務(wù)電子化風(fēng)險(xiǎn)的識(shí)別、分析與評(píng)估,并提出了現(xiàn)階段的風(fēng)險(xiǎn)管理建議。希望能夠填補(bǔ)信用證電子化風(fēng)險(xiǎn)管理的空白,完善中國銀行信用證業(yè)務(wù)全面風(fēng)險(xiǎn)管理體系。同時(shí),本文結(jié)合中國銀行實(shí)際,為確保信用證業(yè)務(wù)風(fēng)險(xiǎn)管理的有效實(shí)施,從買方風(fēng)險(xiǎn)、賣方風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)、電子化風(fēng)險(xiǎn)方面制定了具體的措施與保障。希望可以在有效防范信用證業(yè)務(wù)風(fēng)險(xiǎn)的基礎(chǔ)上,推進(jìn)中國銀行信用證業(yè)務(wù)健康、快速發(fā)展,為客戶提供更加專業(yè)、安全、高效的優(yōu)質(zhì)服務(wù),鞏固中國銀行在日益激烈的市場競爭中的領(lǐng)先地位。
[Abstract]:With the rapid development of global economy, international trade settlement is more and more frequent, remittance, collection and letter of credit has gradually become the international settlement of the three payment instruments. Due to assume the responsibility to pay the bank credit, the credit gradually substituted for the commercial credit, development has become an important tool for the settlement the international settlement. It is because of bank credit to join, to ensure the smooth circulation of credit business, and promote the whole process of international trade. Chinese bank has been a model of credit business in the field of professional and standardized operation, in terms of market share, business innovation, always maintain a leading position in the industry in the current. The economic situation, the regulatory requirements and network financial challenges, how to carry out risk prevention, to meet their own needs and effective management measures and procedures for China Silver Should consideration and research the problems in the practical business. This paper uses the method of literature review and practical investigation of the combination, contact the actual work based on the relevant theories of credit business risk management, analyzed the credit business China bank's basic situation, business management structure, business risk and credit management requirements step by step; the identification of potential risk of credit business risk: the buyer, the seller's risk, operational risk, credit risk, market risk, electronic risk; summarize the method of combining deductive and logical, comprehensive analysis and evaluation to the potential risk of credit business; using the combination of normative research and case the analysis phase, more in-depth analysis of the importance of credit business risk management. The article focuses on the use of modern information theory at home and abroad at the same time, with the business Bank credit business case as the study object, strengthen the operability, hopes to expand and deepen the understanding of the business of credit card risk in breadth and depth. With the development of international trade in the electronic trend, since the traditional credit business has been unable to meet the rapid demand for international trade settlement,.2013, letter of credit the emergence of electronic business in the form of electronic documents represented. Based on the traditional risk management of credit business, increase the recognition of electronic business credit risk, analysis and evaluation, and puts forward suggestions of risk management at the present stage. Hope to be able to fill the blank of electronic credit risk management, perfect the comprehensive risk management system of credit business Chinese bank. At the same time, combined with the actual China bank, to ensure effective implementation of the credit business risk management, the risk from the buyer, The seller's risk, operational risk, credit risk, market risk, in terms of electronic risk measures were formulated and support. Hope can be based on the effective prevention of the risk of credit business, to promote the healthy and rapid development of bank credit business China, to provide safe and efficient, professional, quality service, consolidate Chinese the bank leading position in the increasingly fierce competition in the market.

【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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