本文選題：ZG銀行江西省分行 + 貿(mào)易融資��； 參考：《江西師范大學》2015年碩士論文

【摘要】：國際貿(mào)易融資是圍繞國際貿(mào)易結(jié)算各個環(huán)節(jié)所產(chǎn)生的資金和信用的融通活動。銀行國際貿(mào)易融資則是銀行圍繞國際結(jié)算的各個環(huán)節(jié)為進出口企業(yè)提供便利資金的綜合。隨著世界經(jīng)濟一體化的推進,國家與國家之間的貿(mào)易往來日益頻繁,自然催促了銀行國際貿(mào)易融資業(yè)務(wù)的快速發(fā)展。在新的國際貿(mào)易環(huán)境下提高商業(yè)銀行控制和處理貿(mào)易融資業(yè)務(wù)風險能力不僅直接關(guān)系到銀行自身的經(jīng)營管理效率,更能為降低商業(yè)銀行貿(mào)易融資業(yè)務(wù)風險、維護金融系統(tǒng)的穩(wěn)定性提供強有力的保障。ZG銀行江西省分行,作為一家長期經(jīng)營貨幣與其它各種衍生產(chǎn)品的商業(yè)銀行,在日益復雜的國際國內(nèi)環(huán)境中形成了一定的貿(mào)易融資風險的鑒別和防范能力,但一方面該銀行在實際運營中過多地將精力投放于市場營銷環(huán)節(jié)中,而忽略了加強風險管理的重要性,另一方面該銀行的一些貿(mào)易融資風險管理措施倍顯落后而出現(xiàn)諸多新問題也難以應(yīng)對各種新的貿(mào)易融資風險的出現(xiàn)。本文在深入了解國內(nèi)外商業(yè)銀行國際貿(mào)易融資業(yè)務(wù)風險防范與控制的理論研究成果和先進實踐經(jīng)驗基礎(chǔ)上,分析了ZG銀行江西省分行國際貿(mào)易融資業(yè)務(wù)的發(fā)展現(xiàn)狀、特點和常規(guī)及其特色產(chǎn)品的開展情況,對ZG銀行江西省分行在開展該項業(yè)務(wù)過程中所面臨的潛在風險進行了深入分析,揭示了信用風險、市場風險以及內(nèi)部操作風險是該行在開展國際貿(mào)易融資業(yè)務(wù)時面臨的主要風險,同時也在一定程度上面臨著國家政治法律的不確定性風險,進而對這些風險所賴以生存的制度環(huán)境及其它成因進行了探索,分析表明貿(mào)易融資業(yè)務(wù)風險管理體系缺失、風險危害性認識不足、高素質(zhì)專業(yè)化人才的匱乏、管理技術(shù)落后等是商業(yè)銀行貿(mào)易融資業(yè)務(wù)風險的主要誘因。鑒于此,有必要通過完善國際貿(mào)易融資內(nèi)控機制、加強專業(yè)人才培養(yǎng)、提高風險管理技術(shù)水平、健全國際貿(mào)易融資法規(guī)體系等方式強化ZG銀行江西省分行國際貿(mào)易融資風險的防范與控制。
[Abstract]:International trade financing is the financing activity of funds and credit around each link of international trade settlement. Bank international trade financing is the synthesis of banks providing convenient funds for import and export enterprises around various aspects of international settlement. With the development of world economic integration, the trade between countries is becoming more and more frequent, which naturally accelerates the rapid development of international trade financing business of banks. Under the new international trade environment, improving the ability of commercial banks to control and deal with the risks of trade financing business is not only directly related to the management efficiency of banks themselves, but also can reduce the risk of commercial banks' trade financing business. The maintenance of the stability of the financial system provides a strong guarantee. ZG Bank Jiangxi Branch is a commercial bank that operates money and other derivatives for a long time. In the increasingly complex international and domestic environment, the bank has formed a certain ability to identify and prevent trade financing risks. However, on the one hand, the bank has put too much energy into the marketing links in its actual operation. The importance of strengthening risk management is neglected, on the other hand, some trade financing risk management measures of the bank lag behind, and many new problems can not cope with the emergence of various new trade financing risks. On the basis of deep understanding of the theoretical research results and advanced practical experience of risk prevention and control of international trade financing business of commercial banks at home and abroad, this paper analyzes the current situation of the development of international trade financing business in Jiangxi Branch of ZG Bank. In this paper, the potential risks faced by Jiangxi Branch of ZG Bank in carrying out this business are deeply analyzed, and the credit risk is revealed. The market risk and the internal operation risk are the main risks that the bank faces when it carries out the international trade financing business. At the same time, it also faces the uncertainty risk of national politics and law to some extent. Furthermore, the institutional environment and other causes of these risks are explored. The analysis shows that the risk management system of trade financing business is missing, the awareness of risk harmfulness is insufficient, and the lack of high-quality professional personnel. Backward management technology is the main inducement of commercial bank's trade financing business risk. In view of this, it is necessary to improve the internal control mechanism of international trade financing, strengthen the training of professionals, and improve the technical level of risk management. Strengthening the prevention and control of the risk of international trade financing in Jiangxi Branch of ZG Bank.
【學位授予單位】：江西師范大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F740.4;F752;F832.2

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本文編號：1803537