中国银行信用证业务风险管理研究

发布时间：2018-01-02 03:20

本文关键词：中国银行信用证业务风险管理研究　出处：《中国海洋大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着全球经济的快速发展,国际间的贸易结算越来越频繁,汇款、托收与信用证逐步发展成为了国际结算中的三大支付工具。由于具有以银行信用承担第付款责任的特点,信用证逐步取代商业信用,发展成为了国际结算中最为重要的结算工具。也正因为银行信用的加入,保证了信用证业务的顺利流转,同时促进了国际贸易的整体进程。中国银行一直是信用证业务领域专业与标准化操作的典范,无论在市场份额、业务创新方面,都保持业内领先地位。在当前新的经济形势、监管要求与网络金融的挑战下,如何开展风险防范、采取符合自身需求并且行之有效的管理办法和程序,成为了中国银行在实际业务中应当重点考虑和深入研究的问题。本文运用文献综述和实际调查相结合的方法,在信用证业务风险管理的相关理论基础上联系工作实际,整理分析了中国银行信用证业务的基本情况、业务管理架构、业务风险与授信管理要求；有步骤地识别了信用证业务中的潜在风险：买方风险、卖方风险、操作风险、信用风险、市场风险、电子化风险；通过归纳总结与逻辑演绎相结合的方法,力求全面分析与评估信用证业务中的潜在风险；利用规范研究和案例分析相结合的方法,较为深入地分析了信用证业务风险管理的重要性。本文在注重引用现代国内外理论资料的同时,配以商业银行信用证业务实际案例为对象进行研究,加强论文的可操作性,希望可以扩展和深化对信用证业务风险问题的理解广度和深度。随着国际贸易电子化趋势的发展,传统信用证业务已不能满足国际贸易结算的快速需求。2013年以来,信用证出现了以电子交单为代表的电子化业务形式。本文在传统信用证业务风险管理的基础上,增加了对信用证业务电子化风险的识别、分析与评估,并提出了现阶段的风险管理建议。希望能够填补信用证电子化风险管理的空白,完善中国银行信用证业务全面风险管理体系。同时,本文结合中国银行实际,为确保信用证业务风险管理的有效实施,从买方风险、卖方风险、操作风险、信用风险、市场风险、电子化风险方面制定了具体的措施与保障。希望可以在有效防范信用证业务风险的基础上,推进中国银行信用证业务健康、快速发展,为客户提供更加专业、安全、高效的优质服务,巩固中国银行在日益激烈的市场竞争中的领先地位。
[Abstract]:With the rapid development of global economy, international trade settlement is more and more frequent, remittance, collection and letter of credit has gradually become the international settlement of the three payment instruments. Due to assume the responsibility to pay the bank credit, the credit gradually substituted for the commercial credit, development has become an important tool for the settlement the international settlement. It is because of bank credit to join, to ensure the smooth circulation of credit business, and promote the whole process of international trade. Chinese bank has been a model of credit business in the field of professional and standardized operation, in terms of market share, business innovation, always maintain a leading position in the industry in the current. The economic situation, the regulatory requirements and network financial challenges, how to carry out risk prevention, to meet their own needs and effective management measures and procedures for China Silver Should consideration and research the problems in the practical business. This paper uses the method of literature review and practical investigation of the combination, contact the actual work based on the relevant theories of credit business risk management, analyzed the credit business China bank's basic situation, business management structure, business risk and credit management requirements step by step; the identification of potential risk of credit business risk: the buyer, the seller's risk, operational risk, credit risk, market risk, electronic risk; summarize the method of combining deductive and logical, comprehensive analysis and evaluation to the potential risk of credit business; using the combination of normative research and case the analysis phase, more in-depth analysis of the importance of credit business risk management. The article focuses on the use of modern information theory at home and abroad at the same time, with the business Bank credit business case as the study object, strengthen the operability, hopes to expand and deepen the understanding of the business of credit card risk in breadth and depth. With the development of international trade in the electronic trend, since the traditional credit business has been unable to meet the rapid demand for international trade settlement,.2013, letter of credit the emergence of electronic business in the form of electronic documents represented. Based on the traditional risk management of credit business, increase the recognition of electronic business credit risk, analysis and evaluation, and puts forward suggestions of risk management at the present stage. Hope to be able to fill the blank of electronic credit risk management, perfect the comprehensive risk management system of credit business Chinese bank. At the same time, combined with the actual China bank, to ensure effective implementation of the credit business risk management, the risk from the buyer, The seller's risk, operational risk, credit risk, market risk, in terms of electronic risk measures were formulated and support. Hope can be based on the effective prevention of the risk of credit business, to promote the healthy and rapid development of bank credit business China, to provide safe and efficient, professional, quality service, consolidate Chinese the bank leading position in the increasingly fierce competition in the market.

【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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