我国商业银行开展信用证融资的模式分析

发布时间：2018-01-13 04:34

本文关键词：我国商业银行开展信用证融资的模式分析　出处：《西南财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：信用证融资作为国际贸易通用的融资手段,可以有效的解决国际贸易中企业面临的资金结算安全及效率问题,使企业的资金能够更高效的运转,加速自身的发展壮大。近几年来,信用证融资业务已成为我国中资商业银行转变盈利模式和业务发展模式的重要工具。信用证融资业务发展的历程大致经历了从传统的信用证融资发展到以信用证融资组合产品为核心的结构性贸易融资阶段。我国中资商业银行正在积极努力的学习和开展结构性贸易融资。信用证融资是银行一项影响较大、利润丰厚、周转期短的融资业务,各大银行都把信用证融资放在十分重要的地位。主要的传统信用证融资产品包括信用证开证授信、进口押汇、提货担保、打包贷款、出口押汇、福费廷等。我国的中资商业银行大多数目前已经可以全面开展这些信用证融资业务,但是在信用证融资的组合产品运用方面与外资银行相比,还有很大的差距。可以说,我国中资银行的信用证融资业务还停留在传统的贸易融资业务阶段,而境内外资机构已经可以熟练运用各种信用证融资产品的组合,将信用证融资业务发展到结构性贸易融资的阶段。通过这些结构性贸易融资产品,外资银行不仅可以获得更大的市场份额,而且可以得到更加丰厚的中间业务收入的回报。本文在系统梳理我国商业银行信用证融资模式和其发展的基础上,结合实务,以我国中资商业银行信用证融资与外资商业银行的融资方案的对比,对我国中资商业银行信用证融资进行了比较实证研究,并得出一些有益的结论。文章进一步探索了目前中资商业银行信用证融资开展过程中出现的问题,最后,有针对性的提出了关于如何更好地发展我国中资商业银行开展信用证融资业务的建议。全文共分六章,第一章论述了选题的背景和意义以及国内外关于信用证融资理论的研究成果,说明了论文的结构和创新点。第二章为我国商业银行开展信用证融资的一般分析,介绍了信用证融资的基本概念,融资模式,运作过程以及发展历程等。第三、四和五章以实务案例的形式对比了我国中资商业银行和外资商业银行具体开展信用证融资业务时的方案设计、收益和成本以及方案的优劣等,通过案例的比较分析,总结出我国中资商业银行在开展信用证融业务时的具体问题。针对这些问题,第六章对我国中资商业银行开展信用证融资业务提出了优化建议,以适应日益激烈的竞争,推动我国信用证融资业务的快速发展。
[Abstract]:The credit financing of international trade as the general means of financing, capital settlement safety and efficiency can effectively solve the problems facing enterprises in international trade, make enterprise capital to more efficient operation, accelerate the development of its own. In recent years, credit financing has become an important tool for Chinese commercial bank profit model and business development mode. The course of credit financing business development has experienced from traditional credit to credit financing combination products as the core of the structural trade financing stage of development financing. China's commercial banks are actively trying to learn and carry out structural trade financing.
Credit bank financing is a greater impact, profits, turnover short financing, major banks have put credit financing on an important position. The main products include traditional credit financing credit credit, negotiation, delivery guarantee, packing loan, export bills, forfaiting in China. The Chinese funded commercial banks now can fully carry out most of these credit financing, but in the portfolio of credit financing use compared with foreign banks, there is a big gap. It can be said that the Chinese funded bank credit financing still remain in the stage of traditional trade finance business, and foreign capital can be combined institutions within the skilled use of a variety of credit financing products, the credit financing to the development of structured trade finance. Through these structural trade financing products, Foreign banks can not only get a bigger market share, but also get a more lucrative return on the income of the middle business.
Based on the systematic credit financing model of commercial banks in China and its development, combined with the practice, in order to compare the financing scheme of China's commercial banks credit financing and foreign commercial banks, the credit financing of Chinese funded commercial banks were compared with the empirical study, and this paper draws some useful conclusions. To further explore the current credit financing of Chinese commercial banks to carry out the problems in the process, finally, puts forward the suggestion on how to better the development of China's commercial banks to carry out credit financing.
This thesis consists of six chapters, the first chapter discusses the background and significance as well as domestic and foreign credit financing theory research results of the topic, describes the structure and innovation of the thesis. The second chapter is China's commercial banks to carry out credit card financing analysis, introduces the basic concepts of credit, credit financing, operation the process and development process. The third, fourth and five chapter to form the comparative case of Chinese commercial banks and foreign commercial banks to carry out specific credit financing scheme design, revenue and cost advantages and solutions inferior by comparison and analysis of the case, summed up China's commercial banks to carry out credit in concrete when the financial business problems. To solve these problems, the sixth chapter puts forward the optimization suggestions for Chinese commercial banks to carry out credit financing, in order to adapt to the fierce competition, promote The rapid development of L / C financing business in China.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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