工商银行国际贸易融资产品研究及风险管理

发布时间：2018-06-04 12:48

本文选题：国际贸易融资产品 + 产品创新　；参考：《南京大学》2012年硕士论文

【摘要】：改革开放三十多年,我国的进出口总额从1978年的206亿美元快速增长到了2010年的29727.6亿美元。2010年进出口总额比2009年增长了34.7%,其中出口总额15779.3亿美元,增长了31.3%；进口总额13948.3亿美元,增长了38.7%。我国自2001年加入WTO以后,对外经济一直保持高速发展。国际贸易融资是以国际结算为基础的,而国际结算又与对外贸易的发展紧密相连。与传统的信贷业务相比,国际贸易融资业务具有低风险、高收益、期限短的特点,备受银行的关注。尤其是08年金融危机之后,一方面,客户对银行国际贸易融资的要求更高,不仅需要融通资金,还需要提供资金保值、增值的服务,这样,具有单一特性的传统的国际贸易融资产品有时候已经不能满足客户的需求；另一方面,随着时间的推移,中国金融领域的不断开放,外资金融机构的不断涌入,中资银行单纯依靠发放人民币贷款来盈利的空间越来越小。因此,商业银行需要在传统的国际贸易融资产品的基础上不断地创新融资品种,根据客户的实际需求提供产品支持,以谋求新的利润增长点,更好地适应竞争激烈的金融领域,在客户的争夺战中取得一席之地,保持继而扩大本行的国际业务市场占比。一个国家的金融发展是经济发展的命脉,而银行这个重要的金融机构也承担着巨大的风险。国际贸易融资越来越受到银行的青睐,成为发展的重点领域。但是收益与风险是并存的,国际贸易融资业务从本质上来说也是贷款,同时每一种融资产品都是依赖于一个基础的结算方式而产生的,因此,国际贸易融资业务除了面临着贷款业务固有的一些共性风险之外,还要解决融资产品设计本身的特有风险。那么,如何能在保持高收益的情况下更好地控制风险,做到安全性和赢利性的合理结合,也是我们需要研究的课题。本篇论文分为五个部分：第一章是绪论,提出了本文的选题目的与意义,本文的主要研究方法,本文主要章节的内容。第二章首先介绍了国际贸易融资的产生与发展,概括了国际贸易融资比较流行的几种理论,贸易融资风险控制的理论与方法。然后通过图表的方式阐述了我国近十年来对外贸易的发展情况,继而具体分析了以对外贸易发展为基础的我国国际贸易融资的发展情况。第三章通过图表的方式分析了工商银行国际贸易融资的基本情况,归纳总结了我行传统的进出口主要国际贸易融资产品以及我行在国际贸易融资业务中存在的问题。第四章是通过案例分析的方式分析了我行近年来新开发的进出口国际贸易融资产品的适用性及相应的风险防范措施。第五章主要分析了商业银行的风险,国际贸易融资业务的风险,并且针对具体的国际贸易融资产品提出了风险控制方案。最后提出了总结性的风险控制建议。本文通过大量的图表、案例分析来说明论题,将在工作中实际遇到的问题归纳总结到理论的高度。梳理了我行传统的国际贸易融资产品及近年来为满足市场变化和客户需求新开发的国际贸易融资产品的特点和适用性。当然,在创新的同时,银行应更加注意风险管理,用科学系统的方法来控制国际贸易融资风险,促使银行国际业务更快、更好地发展。
[Abstract]:After thirty years of reform and opening up, the total import and export of our country has increased rapidly from $20 billion 600 million in 1978 to 2 trillion and 972 billion 760 million US dollars in 2010, and the total import and export volume in.2010 increased by 34.7% compared with 2009, of which the total export volume was 1 trillion and 577 billion 930 million dollars, up 31.3%, and the total import was 1 trillion and 394 billion 830 million US dollars, increasing 38.7%. since 2001 joining WTO, The external economy has been developing at a high speed.
International trade financing is based on international settlement, and international settlement is closely connected with the development of foreign trade. Compared with the traditional credit business, international trade financing business has the characteristics of low risk, high income and short term, which has attracted the attention of the bank. Especially after the financial crisis of 08, on the one hand, the customers' international trade in the bank is melted. The demand for capital is higher, not only to finance the financing, but also to provide funds and value-added services. In this way, the traditional international trade financing products with a single characteristic can not meet the needs of the customers; on the other hand, with the passage of time, the financial sector in China is constantly open and the foreign financial institutions are constantly pouring in, Therefore, the commercial banks need to innovate the financing variety on the basis of the traditional international trade financing products and provide product support according to the actual needs of the customers in order to seek new profit growth points and better adapt to the fierce competition in the financial field, We will gain a foothold in the competition for customers and keep expanding our international business market.
The financial development of a country is the lifeblood of the economic development, and the important financial institutions of the bank are also taking great risks. International trade financing is becoming more and more popular in the bank, and it has become the key area of development. However, the income and risk are coexisting, and the international trade financing industry is also a loan in essence, at the same time, each kind of financing is also a kind of loan. The financing products are based on a basic settlement, so the international trade financing business is not only faced with some common risks inherent in the loan business, but also solves the unique risk of the design of the financing products. The reasonable combination of profit is also a topic we need to study.
This paper is divided into five parts:
The first chapter is the introduction, which puts forward the purpose and significance of this topic, the main research methods, and the main chapters of this article.
The second chapter first introduces the emergence and development of international trade financing, summarizes several popular theories of international trade financing, the theory and method of trade financing risk control, and then illustrates the development of foreign trade in China in the past ten years through a chart, and then analyzes the development of foreign trade based on the development of foreign trade based on me. The development of international trade financing in China.
The third chapter analyzes the basic situation of international trade financing of industrial and commercial banks through the chart, summarizes the traditional import and export of the main international trade financing products and our bank in the international trade financing business problems.
The fourth chapter analyzes the applicability of the newly developed import and export international trade financing products and the corresponding risk prevention measures in recent years through the case analysis.
The fifth chapter mainly analyzes the risk of commercial banks, the risk of international trade financing, and puts forward the risk control scheme for the specific international trade financing products. Finally, it puts forward the summary of the risk control proposals.
In this paper, a large number of charts and case studies are used to illustrate the topics and the problems encountered in the work are summed up to the height of the theory. The characteristics and applicability of the traditional international trade financing products and the international trade financing products developed in recent years to meet the market changes and customer needs have been combed. Banks should pay more attention to risk management, control the risks of international trade financing scientifically and systematically, and promote the international business of banks to develop faster and better.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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