商业银行贸易融资风险管理问题研究

发布时间：2018-04-21 16:04

本文选题：国际贸易融资 + 贸易融资风险　；参考：《苏州大学》2015年硕士论文

【摘要】：近年来,商业银行贸易融资业务数量不断攀升,种类不断丰富,这一业务发展在给银行带来收益持续增加的同时,也使银行风险不断上升。如何在贸易融资大发展的背景下,提升商业银行风险管理能力,强化风险管理体制,正是本文所要探讨的重要问题。本文首先分析了贸易融资发展的现状和对商业银行及融资需求方的重要意义。随后指出贸易融资快速发展所带来的各类风险,分析我国商业银行贸易融资风险管理的现状和存在的问题,最后探讨了我国商业银行如何建立有效的专业的贸易融资风险管理体系。本文认为贸易融资较传统的银行贷款有其特殊的风险,防范贸易融资风险,其前提就是要针对这些特殊风险,包括市场、操作、法律、国家、外汇、利率、财务和信用风险等八个方面,进行风险控制。在风控机制研究中本文重点就贷前、贷中、贷后三个环节进行分析。授信是银行信贷运作的第一步,把握好授信环节,建立针对贸易融资的专业授信是构建贸易融资风险管理的重点。贸易融资的特点,就是在于以贸易链为依托。贸易融资专业授信就是在考虑融资申请人自身资信的基础上,着重把握贸易链上下游关系、贸易链完成的可行性、融资人在贸易链中地位等。授信准入后,风险控制的核心在于抓住依托于贸易链的现金流,所以要弄清现金流的过程、方式等诸多因素,利用产品、契约等手段,将现金流置于商业银行控制中。贷后管理是贸易融资业务的核心,本文本着理论与实际相结合,根据长期的贸易融资工作经验与体验,提出了一整套如何建立符合贸易融资发展的贷后管理模式与建议。本人认为,贸易融资不断发展,各类创新不断推出,风险控制不能成为贸易融资创新的桎梏,而是要成为贸易融资创新的保障和推动力。
[Abstract]:In recent years, the number of commercial banks' trade financing business has been increasing and the kinds of business are constantly rich. The development of this business not only brings a continuous increase in the profits of banks, but also makes the bank risk rising. Under the background of the great development of trade financing, how to improve the risk management ability of commercial banks and strengthen the risk management system is the important problem to be discussed in this paper. This paper first analyzes the current situation of trade financing and its significance to commercial banks and the demand side of financing. Then it points out the various kinds of risks brought by the rapid development of trade finance, and analyzes the present situation and existing problems of trade financing risk management of commercial banks in China. Finally, it discusses how to establish an effective trade financing risk management system for Chinese commercial banks. This paper argues that trade financing has its own special risks in bank loans. The premise of preventing trade financing risks is to deal with these special risks, including market, operation, law, state, foreign exchange, interest rate. Financial and credit risk and other eight aspects, risk control. In the study of risk control mechanism, this paper focuses on the analysis of three links: before, during and after lending. Credit is the first step in the operation of bank credit. It is the key point to construct the risk management of trade finance by grasping the credit link and establishing the professional credit for trade financing. The characteristic of trade financing is to rely on the trade chain. On the basis of considering the credit of the applicant, the professional credit of trade financing is to grasp the relationship between upstream and downstream of the trade chain, the feasibility of the completion of the trade chain, the position of the financier in the trade chain and so on. After credit access, the core of risk control is to grasp the cash flow relying on the trade chain, so we should make clear the cash flow process, ways and other factors, use products, contracts and other means, put the cash flow in the control of commercial banks. Post-loan management is the core of trade finance business. Based on the combination of theory and practice, according to the long-term experience and experience of trade finance, this paper puts forward a whole set of post-loan management mode and suggestions which accord with the development of trade finance. In my opinion, with the development of trade finance and innovation, risk control should not be the shackles of trade finance innovation, but should be the guarantee and impetus of trade finance innovation.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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