C银行辽宁省分行出口信保融资业务风险研究

发布时间：2018-02-09 12:15

本文关键词： 出口信用保险贸易融资风险防范　出处：《大连理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：出口信用保险融资是C银行辽宁省分行近几年发展比较快的新型融资产品。作为传统贸易融资产品的一个重要补充,该产品问世后给辽宁省分行带来了可观的中间业务收入和利差收益,也间接提高了结算市场份额,维护了银企关系。但随着出口贸易环境复杂程度的加剧,业务纠纷增多,辽宁分行风险控制未能与业务拓展均衡发展,导致不良业务增多,逾期业务频现。本文第一章为绪论,介绍了研究的背景和意义、国内外研究综述以及论文研究的方法和思路；第二章对C银行辽宁省分行出口信保融资业务现状进行分析,介绍了出口信保融资业务的流程,和辽宁行遇到的问题；第三章从信用风险、操作风险和法律风险三个方面,对辽宁行出口信保融资业务面临的风险进行定性分析；第四章结合辽宁行近四年发生的业务,利用多元定序回归方法分析不同的风险因素对发生逾期概率的影响；第五章结合风险分析结果,从贷前、贷中和贷后三阶段分别提出加强风险管理的方法。本文运用实例分析、定性分析、定量分析等手段,对研究对象出口信用保险融资风险进行了差异化论证,提出出口商履约能力、出口地区和结算种类等均是影响融资风险的重要因素,在风险防范上提出建立业务准入评分机制、建立产品部门与客户关系部门的合作机制等方法。
[Abstract]:Export credit insurance financing is a new type of financing product which has been developing rapidly in Liaoning branch of C Bank in recent years. As an important supplement to traditional trade financing products, After the product came out, it brought Liaoning branch considerable income from intermediate business and interest margin, indirectly increased the share of settlement market and maintained the relationship between banks and enterprises. However, with the increasing complexity of the export trade environment, business disputes increased. Liaoning Branch risk control failed to develop in balance with business expansion, resulting in the increase of bad business, overdue business frequent. The first chapter is the introduction, which introduces the background and significance of the research, the domestic and foreign research review, and the research methods and ideas of the paper. Chapter two analyzes the current situation of export insurance financing business of C Bank Liaoning Province Branch. This paper introduces the flow of export credit insurance financing business and the problems encountered by Liaoning Bank. Chapter three makes a qualitative analysis of the risks faced by Liaoning Bank export insurance financing business from three aspects: credit risk, operational risk and legal risk. Chapter 4th, combined with the business of Liaoning Bank in the past four years, analyzes the influence of different risk factors on the occurrence of overdue probability by using the method of multivariate sequencing regression. Chapter 5th combines the results of risk analysis with the results of risk analysis, and analyzes the influence of different risk factors on the occurrence of overdue probability. The methods of strengthening risk management are put forward respectively in the three stages of credit and loan. By means of example analysis, qualitative analysis and quantitative analysis, this paper makes a differential demonstration on the risk of export credit insurance financing, and puts forward the exporter's ability to fulfill the contract. Export regions and settlement types are important factors affecting financing risk. In the aspect of risk prevention, the establishment of business access scoring mechanism and the cooperation mechanism between product departments and customer relations departments are put forward.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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