A银行泉州分行贸易融资业务发展研究

发布时间：2018-10-19 16:24

【摘要】：自中国加入WTO以来,中国的制造业发展十分迅速,并形成了完整的产业链,进出口总额的规模也越来越大。其中,支撑我国制造业发展的是一大批制造业企业,尤其是中小企业,融资渠道较为有限,同时融资成本也比较高。近几年来,作为解决企业“融资难”的一种方式,贸易融资发展迅速,同时贸易融资业务已成为提高银行整体竞争力和盈利水平的重要手段。因此,大力发展贸易融资业务不论对银行还是对企业均有重大的意义。泉州地区商业银行积极将国际贸易融资产品及原理引入国内贸易链环节,以便利企业融资,解决其资金需求问题。然而,我国金融市场还未深化,金融产品管理流程、企业信用等级评价与西方发达国家存在差距,很多金融产品仍存在较大缺陷。长期以来,由于A银行泉州分行对贸易融资业务的重视度不够,与传统业务相比,该行贸易融资业务发展较为滞后,且面临着市场份额较低、风险控制力度不够、相关专业人员缺乏且贸易融资业务在本行客户归行率不够等问题。因而,研究该行在贸易融资业务产品发展与产品风险管控,有助于推动贸易融资在A银行的应用发展。基于此,本文以A银行泉州分行贸易融资对策问题为研究视角,在笔者多年该行的从业经验基础上,采用理论与案例实际相结合的方法,分析了目前A银行泉州分行的贸易融资发展现状以及存在的主要问题,从具体措施及管理方面给予了相关对策。全文共分为五章:第一章为引言,主要阐述选题背景和意义、国内外贸易融资文献综述以及本文的研究方法与内容;第二章介绍了有关贸易融资的基本概念和贸易融资的相关理论;第三章分析了A银行泉州分行贸易融资业务产品发展状况与存在的主要问题;第四章在上述分析的基础上提出了该行贸易融资业务健康发展的相关对策和建议;第五章是A泉州分行发展贸易融资的总体研究结论。
[Abstract]:Since China's entry into WTO, China's manufacturing industry has developed very rapidly and formed a complete industrial chain. Among them, a large number of manufacturing enterprises, especially small and medium-sized enterprises, have limited financing channels and high financing costs. In recent years, as a way to solve the financing difficulties of enterprises, trade financing has developed rapidly. At the same time, trade financing business has become an important means to improve the overall competitiveness and profitability of banks. Therefore, the development of trade financing business is of great significance to both banks and enterprises. Quanzhou Commercial Bank actively introduces the international trade financing products and principles into the domestic trade chain to facilitate the financing of enterprises and solve their financing needs. However, the financial market in our country has not been deepened, the financial product management process, the enterprise credit rating has the disparity with the western developed country, many financial products still have the big flaw. For a long time, the Quanzhou Branch of Bank A has not paid enough attention to the trade financing business. Compared with the traditional business, the trade finance business of the bank has lagged behind, and it is faced with low market share and insufficient risk control. The lack of relevant professionals and trade finance business in our bank customer return rate is not enough and so on. Therefore, the research on the product development and product risk management of the bank's trade finance business will help to promote the application of trade finance in Bank A. Based on this, this paper takes the trade financing countermeasure of Quanzhou Branch of Bank A as the research angle, based on the experience of the bank for many years, adopts the method of combining the theory with the practice of the case. This paper analyzes the current situation and main problems of trade financing in Quanzhou Branch of Bank A, and gives the relevant countermeasures from the aspects of concrete measures and management. The full text is divided into five chapters: the first chapter is the introduction, mainly describes the background and significance of the topic, domestic and foreign trade finance literature review, as well as the research methods and content of this paper; The second chapter introduces the basic concepts of trade finance and the related theories of trade finance, the third chapter analyzes the development of trade finance products of Quanzhou Branch of Bank A and the main problems. On the basis of the above analysis, the fourth chapter puts forward the relevant countermeasures and suggestions for the healthy development of the bank's trade financing business, and the fifth chapter is the overall research conclusion of the development of trade finance in A Quanzhou Branch.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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