本文選題：貿(mào)易融資 + 風(fēng)險(xiǎn)管理��； 參考：《山東大學(xué)》2014年碩士論文

【摘要】：國(guó)際貿(mào)易融資是指銀行通過國(guó)際貿(mào)易中資金結(jié)算過程中依據(jù)進(jìn)出口貿(mào)易商對(duì)資金需求及風(fēng)險(xiǎn)匹配的緩釋措施,從而為貿(mào)易商提供資金需求的各種信貸業(yè)務(wù)服務(wù)的總和。伴隨國(guó)際貿(mào)易融資業(yè)務(wù)的不斷發(fā)展,融資風(fēng)險(xiǎn)開始頻繁暴露,如何及時(shí)甄別和防范貿(mào)易融資風(fēng)險(xiǎn),加強(qiáng)監(jiān)管并提升銀行人員素質(zhì),國(guó)內(nèi)商業(yè)銀行需要摸索并建立一套行之有效的風(fēng)險(xiǎn)防范措施,從而提升貿(mào)易融資風(fēng)險(xiǎn)的管理水平。 在國(guó)際貿(mào)易領(lǐng)域,貿(mào)易融資業(yè)務(wù)具有非常重要的意義。我國(guó)貿(mào)易融資業(yè)務(wù)開展時(shí)間較短,業(yè)務(wù)品種及業(yè)務(wù)經(jīng)驗(yàn)仍較為匱乏,較之歐美已較為完備的貿(mào)易融資體系仍有較大差距。隨著國(guó)際貿(mào)易的發(fā)展、國(guó)際貿(mào)易中涉及融資欺詐行為、銀行墊付案件越來越多,手段更加隱蔽,套取銀行資金規(guī)模也越來越大,暴露出我國(guó)商業(yè)銀行在貿(mào)易融資風(fēng)險(xiǎn)的判斷、風(fēng)險(xiǎn)處置等方面仍處于較為落后的局面。通過歸納風(fēng)險(xiǎn)管理的方法及規(guī)律對(duì)風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)計(jì)量、風(fēng)險(xiǎn)監(jiān)測(cè)及風(fēng)險(xiǎn)控制的各種手段構(gòu)建的風(fēng)險(xiǎn)防控體系。借助有效的風(fēng)險(xiǎn)評(píng)價(jià)模型可以有效幫助國(guó)內(nèi)銀行風(fēng)險(xiǎn)防控落到實(shí)處,并通過RAROC系統(tǒng)等來嘗試預(yù)測(cè)風(fēng)險(xiǎn)成本和收益。 根據(jù)現(xiàn)行的國(guó)際慣例與操作執(zhí)行標(biāo)準(zhǔn),收集國(guó)內(nèi)外貿(mào)易融資發(fā)展相關(guān)書籍資料,結(jié)合建行對(duì)貿(mào)易融資風(fēng)險(xiǎn)管理的風(fēng)險(xiǎn)偏好及相關(guān)理論,風(fēng)險(xiǎn)控制模型,加強(qiáng)對(duì)對(duì)青島建行現(xiàn)有貿(mào)易融資風(fēng)險(xiǎn)管理運(yùn)行情況進(jìn)行分析。將遵循規(guī)范研究和實(shí)證分析的思路,系統(tǒng)地介紹國(guó)際貿(mào)易融資基本概念、發(fā)展沿革,建行青島分行融資產(chǎn)品種類、剖析融資風(fēng)險(xiǎn)成因、銀行操作業(yè)實(shí)務(wù)、貿(mào)易融資業(yè)務(wù)流程管理及風(fēng)險(xiǎn)防范及處置機(jī)制等內(nèi)容；貿(mào)易融資業(yè)務(wù)的起源現(xiàn)狀及在我國(guó)的發(fā)展情況,引用國(guó)內(nèi)外不同時(shí)間對(duì)貿(mào)易融資的專家見解；結(jié)合青島建行工作實(shí)踐的積累與對(duì)業(yè)務(wù)產(chǎn)品的理解,對(duì)本行風(fēng)險(xiǎn)防控運(yùn)作流程、監(jiān)管架構(gòu)、審批落實(shí)模式及存在的問題進(jìn)行分析,通過實(shí)際真實(shí)案例分析,加強(qiáng)對(duì)國(guó)際貿(mào)易融資風(fēng)險(xiǎn)管理的研究。 從建行對(duì)辦理信貸業(yè)務(wù)把控風(fēng)險(xiǎn)原則,對(duì)貿(mào)易融資業(yè)務(wù)的風(fēng)險(xiǎn)偏好,評(píng)級(jí)授信體系完善、差異化貸后監(jiān)管、市場(chǎng)營(yíng)銷策略方向的選擇及操作管理等方面,結(jié)合目前最新貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)的實(shí)際案例及經(jīng)驗(yàn)教訓(xùn),對(duì)商業(yè)銀行風(fēng)險(xiǎn)管理改進(jìn)提出可行且較為具體的對(duì)策及建議。提出對(duì)建行青島分行貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)管理的總體思路及具體措施,提高思想認(rèn)識(shí),儲(chǔ)備具備國(guó)際業(yè)務(wù)經(jīng)驗(yàn)人員,合理規(guī)劃貿(mào)易融資結(jié)構(gòu),并使用風(fēng)險(xiǎn)衡量系統(tǒng)RAROC來協(xié)助選擇銀行貿(mào)易融資客戶的選擇,對(duì)貿(mào)易融資實(shí)務(wù)的風(fēng)險(xiǎn)識(shí)別提出應(yīng)對(duì)風(fēng)險(xiǎn)的解決措施和方案,對(duì)整個(gè)貿(mào)易融資業(yè)務(wù)流程進(jìn)行全程監(jiān)控,將貸前、貸中、貸后環(huán)節(jié)全部細(xì)化,并詳細(xì)的羅列可操作的具體措施。希望對(duì)商業(yè)銀行在貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)防控的打開新的思路,推動(dòng)商業(yè)銀行國(guó)際貿(mào)易融資業(yè)務(wù)的發(fā)展,促進(jìn)我國(guó)銀行業(yè)資產(chǎn)安全,同時(shí)為促進(jìn)國(guó)內(nèi)商業(yè)銀行發(fā)展該業(yè)務(wù)提供較好的借鑒作用。
[Abstract]:International trade financing means the total of all kinds of credit business services that the bank provides financial needs to traders by means of slow - release measures in the process of capital settlement in international trade , so as to provide financial demand for traders . With the development of international trade financing business , the financing risk starts to be exposed frequently , how to timely screen and guard against trade financing risks , strengthen supervision and improve the bank personnel quality , domestic commercial banks need to grope and establish a set of effective risk prevention measures to improve the management level of trade financing risks .

In the field of international trade , the trade financing business has very important significance . The trade financing business of our country still has short time , the business varieties and the business experience are still relatively scarce . With the development of international trade , the bank advances more and more cases , the means are more concealed , and the risk control system is exposed to the risk identification , risk measurement , risk monitoring and risk control . By means of the effective risk evaluation model , the risk control of the domestic banks can be effectively helped to fall to the real place , and the risk cost and the benefit are predicted through the RAROC system and the like .

According to the current international practice and operational implementation standards , collect the relevant book information about the development of trade finance at home and abroad , combine the risk appetite and relevant theories and risk control models of trade financing risk management with CCB , introduce the basic concept of international trade finance , develop the evolution , build the financing product category of Qingdao branch , analyze the cause of financing risk , bank operation practice , trade financing business process management and risk prevention and disposal mechanism , etc .
The present situation of trade financing business and its development in our country , citing different time to trade financing expert opinion at home and abroad ;
Combined with the accumulation of the work practice of Qingdao ' s CCB and the understanding of the business products , this paper analyzes the operation process , the supervision structure , the approval and implementation mode and the existing problems of the Bank ' s risk prevention and control operation flow , and strengthens the research on the risk management of international trade financing through real case analysis .

This paper puts forward some feasible and concrete countermeasures and suggestions on the risk management of commercial banks in the aspects of credit business risk control principle , risk preference of trade financing business , improvement of rating credit system , differentiated loan supervision , marketing strategy direction selection and operation management .

【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】：2014
【分類號(hào)】：F832.2

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