工行黑龙江省分行国际贸易融资业务风险管理研究
发布时间：2018-10-29 22:45
【摘要】：近年来，，随着我国国际贸易的迅速发展，企业对于国际贸易融资的需求逐步提高，我国商业银行的国际融资业务迎来了巨大的发展空间。由于受到业务开展时间以及整体风险防范水平的双重影响，工行黑龙江省分行的国际贸易融资业务风险防范虽然取得了一定的成绩，但仍然存在着明显的差距和不足。因此，工行黑龙江省分行加强对国际贸易融资风险的管理就显得尤为重要。 本文首先阐述了国际贸易融资业务的分类和特点，介绍了国际贸易融资业务风险的种类和几种常见的国际贸易融资业务风险管理的方法；然后以工行黑龙江省分行为研究对象，分析了该行国际贸易融资业务以及国际贸易融资业务风险管理的现状，从风险认识、内部控制、融资方式和对象、人才、法律法规等方面指出了工行黑龙江省分行在国际贸易融资业务风险管理方面存在的问题；最后，针对上述问题，提出了工行黑龙江省分行加强国际贸易融资业务风险管理的下列对策：完善内控体系及提高风险防范意识，调整内部机构且合理规范流程，优化特定客户审批流程并提高审批效率，加快国际贸易融资业务产品创新，培养高素质人才。
[Abstract]:In recent years, with the rapid development of China's international trade, the demand for international trade financing has been gradually increased, and the international financing business of Chinese commercial banks has ushered in a huge development space. Because of the dual influence of the time of business development and the level of overall risk prevention, although ICBC Heilongjiang Branch has made certain achievements in international trade financing business risk prevention, there are still obvious gaps and deficiencies. Therefore, ICBC Heilongjiang Branch to strengthen the management of international trade financing risk is particularly important. This paper first describes the classification and characteristics of international trade finance business, introduces the types of international trade financing business risk and several common international trade finance business risk management methods; Then, taking ICBC Heilongjiang Branch as the research object, this paper analyzes the current situation of ICBC's international trade financing business and the risk management of international trade financing business, from the risk understanding, internal control, financing methods and objects, talent, The problems of ICBC Heilongjiang Branch in the risk management of international trade financing are pointed out in the aspects of laws and regulations. Finally, aiming at the above problems, this paper puts forward the following countermeasures for ICBC Heilongjiang Branch to strengthen the risk management of international trade financing business: perfecting the internal control system and raising the awareness of risk prevention, adjusting the internal organization and reasonably standardizing the process, Optimize the approval process of specific customers, improve the efficiency of approval, speed up the innovation of international trade financing products, and train high quality talents.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F272.3;F832.2
本文编号：2299051
[Abstract]:In recent years, with the rapid development of China's international trade, the demand for international trade financing has been gradually increased, and the international financing business of Chinese commercial banks has ushered in a huge development space. Because of the dual influence of the time of business development and the level of overall risk prevention, although ICBC Heilongjiang Branch has made certain achievements in international trade financing business risk prevention, there are still obvious gaps and deficiencies. Therefore, ICBC Heilongjiang Branch to strengthen the management of international trade financing risk is particularly important. This paper first describes the classification and characteristics of international trade finance business, introduces the types of international trade financing business risk and several common international trade finance business risk management methods; Then, taking ICBC Heilongjiang Branch as the research object, this paper analyzes the current situation of ICBC's international trade financing business and the risk management of international trade financing business, from the risk understanding, internal control, financing methods and objects, talent, The problems of ICBC Heilongjiang Branch in the risk management of international trade financing are pointed out in the aspects of laws and regulations. Finally, aiming at the above problems, this paper puts forward the following countermeasures for ICBC Heilongjiang Branch to strengthen the risk management of international trade financing business: perfecting the internal control system and raising the awareness of risk prevention, adjusting the internal organization and reasonably standardizing the process, Optimize the approval process of specific customers, improve the efficiency of approval, speed up the innovation of international trade financing products, and train high quality talents.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F272.3;F832.2
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