本文關(guān)鍵詞： 信用證 銀行 風(fēng)險(xiǎn) 防范措施　出處：《山東師范大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著全球經(jīng)濟(jì)的發(fā)展,我國(guó)的國(guó)際貿(mào)易也保持著良好的發(fā)展態(tài)勢(shì)。國(guó)際貿(mào)易無(wú)時(shí)無(wú)刻不在影響著我們的生活。用于國(guó)際貿(mào)易中的結(jié)算方式主要有電匯、托收、信用證等,其中信用證占貿(mào)易結(jié)算總額的80%-90%,當(dāng)之無(wú)愧成為應(yīng)用最為廣泛的貿(mào)易結(jié)算方式。19世紀(jì)出現(xiàn)了現(xiàn)代版的跟單信用證,經(jīng)過(guò)300多年的發(fā)展,與其相關(guān)的信用證融資方式也不斷創(chuàng)新、不斷豐富,主要有打包貸款、出口票據(jù)貼現(xiàn)、出口押匯、福費(fèi)廷、提貨擔(dān)保、進(jìn)口代付等。這些業(yè)務(wù)給銀行帶來(lái)保證金存款、中間業(yè)務(wù)手續(xù)費(fèi)收入等,日益受到各大銀行的重視。然而信用證及其融資帶來(lái)收益的同時(shí),風(fēng)險(xiǎn)也不可避免的發(fā)生。而且信用證犯罪的很大特點(diǎn)就是犯案金額巨大,給企業(yè)、銀行、國(guó)家?guī)?lái)了無(wú)法挽回的經(jīng)濟(jì)損失,還損壞了銀行和國(guó)家的國(guó)際聲譽(yù)。本文將以濟(jì)南市A銀行為例,通過(guò)收集國(guó)內(nèi)外有關(guān)信用證風(fēng)險(xiǎn)防范與竹理研究資料、信用證犯罪案例資料,選取幾家銀行國(guó)際貿(mào)易業(yè)務(wù)專(zhuān)家進(jìn)行實(shí)地訪(fǎng)談,學(xué)習(xí)他們多年的工作經(jīng)驗(yàn),找出信用證存在的風(fēng)險(xiǎn),分析銀行存在信用證及其貿(mào)易融資風(fēng)險(xiǎn)的原因,最后提出切實(shí)可行地防范風(fēng)險(xiǎn)的措施,希望貿(mào)易融資的參與者有積極的參考價(jià)值。 本文將分五章展開(kāi)分析。第一章主要介紹了本次論文的研究的客觀條件,理論價(jià)值與實(shí)際意義,論文的研究方法等。第二章對(duì)信用證的基本定義、信用證的特點(diǎn)、信用證的業(yè)務(wù)操作流程、貿(mào)易融資的種類(lèi)及銀行辦理貿(mào)易融資之后應(yīng)該采取的管理措施。第三章將通過(guò)介紹濟(jì)南市近幾年的貿(mào)易進(jìn)出口發(fā)展形勢(shì),詳細(xì)的分析銀行在信用證貿(mào)易融資中面臨的風(fēng)險(xiǎn)：信用證風(fēng)險(xiǎn)、操作市場(chǎng)風(fēng)險(xiǎn)、政治和法律風(fēng)險(xiǎn)、信用證欺詐風(fēng)險(xiǎn)。第四章主要以A銀行的國(guó)際業(yè)務(wù)開(kāi)展的情況,分析其產(chǎn)生上述風(fēng)險(xiǎn)的原因。最后一章將會(huì)根據(jù)每種風(fēng)險(xiǎn)提出專(zhuān)門(mén)的防范措施,以控制銀行風(fēng)險(xiǎn)。 希望本人能夠?yàn)殂y行工作人員防控信用證融資風(fēng)險(xiǎn)起到一定的借鑒作用,他們能夠在日常處理業(yè)務(wù)中清晰的認(rèn)識(shí)到這些風(fēng)險(xiǎn)的存在,通過(guò)完善自身的業(yè)務(wù)素質(zhì)、提高風(fēng)險(xiǎn)防控意識(shí),最大程度的防止風(fēng)險(xiǎn)的發(fā)生。為提高銀行的資產(chǎn)質(zhì)量盡微薄之力。
[Abstract]:With the development of the global economy, China's international trade also maintains a good development trend. International trade affects our daily life all the time. The settlement methods used in international trade are mainly wire transfer, collection, letter of credit, etc. Among them, letters of credit account for 80-90 of the total amount of trade settlement, which is worthy to become the most widely used trade settlement method. In the 19th century, a modern version of documentary letters of credit appeared. After more than 300 years of development, the financing methods related to letters of credit have also been innovated. They are constantly enriched, such as packaging loans, discounted export bills, export bills, forfaiting, delivery guarantees, import payments, and so on. These businesses bring banks margin deposits and income from intermediate business handling charges, etc. However, when the letter of credit and its financing bring benefits, the risk also inevitably occurs. Moreover, the great characteristic of the letter of credit crime is that the amount of crime is huge, to the enterprise, the bank, The country has brought irreparable economic losses and damaged the banks and the international reputation of the country. This article will take Jinan A Bank as an example, through collecting the risk prevention and bamboo theory research data of letters of credit at home and abroad, and the case data of letter of credit crimes, In order to find out the risk of letter of credit, and analyze the reason why the bank exists the risk of letter of credit and its trade financing, the experts of international trade business of several banks are selected to conduct field interviews, study their working experience for many years, find out the risk of letter of credit. Finally, the paper puts forward practical measures to prevent risks, hoping that the participants in trade financing will have positive reference value. This paper will be divided into five chapters. The first chapter mainly introduces the objective conditions of this paper, theoretical value and practical significance, research methods of the paper. Chapter two, the basic definition of the letter of credit, the characteristics of the letter of credit, The operational flow of letters of credit, the types of trade financing and the management measures to be taken by banks after handling trade financing. Chapter three will introduce the situation of trade import and export development in Jinan in recent years. A detailed analysis of the risks faced by banks in the trade financing of letters of credit: risks of letters of credit, operational market risks, political and legal risks, risks of letter of credit fraud. Chapter 4th mainly deals with the international business of Bank A. The last chapter will propose special precautions according to each risk to control the bank risk. I hope I can play a certain reference role for bank staff to prevent and control letter of credit financing risks, they can clearly understand these risks in their daily handling business, through improving their own business quality, To improve the awareness of risk prevention and control, to prevent the occurrence of risk to the greatest extent. To improve the quality of bank assets.
【學(xué)位授予單位】：山東師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 楊柏峰;;國(guó)際貿(mào)易中信用證項(xiàng)下的風(fēng)險(xiǎn)與防范[J];科技經(jīng)濟(jì)市場(chǎng);2007年03期

2 郭曉潔;;出口商在信用證支付方式下的風(fēng)險(xiǎn)及防范[J];中國(guó)市場(chǎng);2008年15期

3 鄧靈昭;;關(guān)于信用證折算風(fēng)險(xiǎn)的探討[J];現(xiàn)代商業(yè);2009年17期

4 王佳;;金融危機(jī)下我國(guó)外貿(mào)出口行業(yè)托收的風(fēng)險(xiǎn)及防范措施分析[J];現(xiàn)代經(jīng)濟(jì)信息;2010年14期

5 徐冬根;信用證軟條款問(wèn)題研究[J];政治與法律;2004年01期

，

本文編號(hào)：1506904