我国商业银行进出口贸易融资业务创新研究

发布时间：2019-05-22 13:30

【摘要】：国际贸易融资业务是银行为进出口商提供的解决国际结算中的资金融通或信用问题的便利服务。高收益、低风险、资本占用少的特点使得其在国际金融市场中逐渐成为商业银行的新宠,成为商业银行最主要的业务之一。国际贸易融资业务在国外发展比较早,在银行业务中占比较大。从我国恢复WTO席位以来,我国国际贸易发展迅速,国内商业银行贸易融资业务也随着扩张和创新。近几年我国商业银行在国际贸易融资业务方面取得了较大的发展,但是仍然处于起步阶段。随着我国国际贸易规模的不断扩大,一方面,对外贸易额和贸易范围也最逐渐扩大,其复杂性和不确定性也明显增加,我国进出口商面临的资金短缺困境更加严峻；另一方面,进出口贸易方式和进出口结构也发生翻天地覆的改变,进出口商迫切需要新的贸易融资服务。而且,当前电子商务的迅速崛起,互联网技术逐渐被运用于各行各业。国际贸易融资业务的创新顺应时代的需求。基于当前国内外市场的新形势下,本论文对我国商业银行的贸易融资创新问题进行研究,从理论和实践层面对国际贸易融资创新进行研究,探索更加科学有效的贸易融资业务,具有重要的理论和现实意义。理论层面上,我国对该领域的没有系统性全面深入的研究,本论文研究课题有助于推进我国对商业银行贸易融资业务的进一步发展；实践层面上,继美国贷危机引发全球金融危机之后,国际贸易市场持续低迷,买方市场萎靡,我国国际贸易商亟需资金支持,而且央行和监管当局颁布了一系列积极政策希冀推动人民币国际化进程,所以国际贸易融资业务是当前我国商业银行极具发展前途的业务之一。贸易融资业务的创新有力促进我国对外贸易的快速健康发展。本论文从商业银行的视角,分五个层面对国际贸易融资业务进行创新研究。第一层面简单介绍国际贸易融资业务的起源、发展现状及意义,同时概况分析发达国际贸易融资业务发展现状。从而引出论文第二层面,对我国现阶段主要的贸易融资产品进行分类介绍。第三层面是重点分析了我国现阶段贸易融资产品存在的主要问题及原因。第四层面则是本论文的重点,在前面内容的奠定下,对我国贸易融资产品进行创新的研究。最后一个层面则是对实施创新性贸易融资产品的保障措施的研究。通过横向比较和纵向延伸的研究方法和一系列图表和统计数据展示,本论文对国内商业银行贸易融资业务的创新提出客观性问题,从实际业务情况真实剖析问题,从制度创新、产品创新和技术创新三个层面对我国商业银行国际贸易融资业务创新进行设计。
[Abstract]:International trade financing business is a convenient service for importers and exporters to solve the financing or credit problems in international settlement. Because of the characteristics of high income, low risk and low capital occupation, it has gradually become the new favorite of commercial banks and one of the most important businesses of commercial banks in the international financial market. International trade financing business developed earlier in foreign countries and accounted for a large proportion in banking business. Since China restored its WTO seat, China's international trade has developed rapidly, and the trade financing business of domestic commercial banks has also expanded and innovated. In recent years, Chinese commercial banks have made great progress in international trade financing business, but they are still in their infancy. With the continuous expansion of the scale of international trade in China, on the one hand, the volume of foreign trade and the scope of trade are also the most gradually expanding, its complexity and uncertainty are also significantly increased, the shortage of funds faced by importers and exporters in China is more serious; On the other hand, import and export trade mode and import and export structure have also changed, importers and exporters urgently need new trade financing services. Moreover, with the rapid rise of e-commerce, Internet technology is gradually used in various industries. The innovation of international trade financing business conforms to the needs of the times. Based on the new situation of domestic and foreign markets, this paper studies the innovation of trade financing of commercial banks in China, studies the innovation of international trade financing from the theoretical and practical levels, and explores more scientific and effective trade financing business. It has important theoretical and practical significance. On the theoretical level, there is no systematic and comprehensive in-depth research on this field in our country, and the research topic of this paper is helpful to promote the further development of trade financing business of commercial banks in our country. On the practical level, after the global financial crisis caused by the loan crisis in the United States, the international trade market continues to be depressed and the buyer's market is depressed. China's international traders are in urgent need of financial support. Moreover, the central bank and regulatory authorities have issued a series of positive policies in order to promote the process of RMB internationalization, so the international trade financing business is one of the most promising business of commercial banks in China at present. The innovation of trade financing business can effectively promote the rapid and healthy development of China's foreign trade. From the perspective of commercial banks, this paper makes innovative research on international trade financing business from five levels. The first level briefly introduces the origin, development status and significance of international trade financing business, and analyzes the development status of international trade financing business in developed countries. Thus leads to the second level of the paper, the main trade financing products in China at the present stage are classified and introduced. The third level focuses on the analysis of the main problems and causes of trade financing products in China at the present stage. The fourth level is the focus of this paper, under the establishment of the previous content, the innovation of trade financing products in China. The last level is the study of the implementation of innovative trade financing products safeguards. Through horizontal comparison and vertical extension of research methods and a series of charts and statistical data, this paper puts forward the objective problem of the innovation of trade financing business of domestic commercial banks, analyzes the real problems from the actual business situation, and from the institutional innovation, Product innovation and technological innovation are designed for international trade financing business innovation of commercial banks in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F752.62

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