建设银行青岛分行贸易融资业务风险管理研究

发布时间：2018-05-13 12:05

本文选题：贸易融资 + 风险管理　；参考：《山东大学》2014年硕士论文

【摘要】：国际贸易融资是指银行通过国际贸易中资金结算过程中依据进出口贸易商对资金需求及风险匹配的缓释措施,从而为贸易商提供资金需求的各种信贷业务服务的总和。伴随国际贸易融资业务的不断发展,融资风险开始频繁暴露,如何及时甄别和防范贸易融资风险,加强监管并提升银行人员素质,国内商业银行需要摸索并建立一套行之有效的风险防范措施,从而提升贸易融资风险的管理水平。在国际贸易领域,贸易融资业务具有非常重要的意义。我国贸易融资业务开展时间较短,业务品种及业务经验仍较为匮乏,较之欧美已较为完备的贸易融资体系仍有较大差距。随着国际贸易的发展、国际贸易中涉及融资欺诈行为、银行垫付案件越来越多,手段更加隐蔽,套取银行资金规模也越来越大,暴露出我国商业银行在贸易融资风险的判断、风险处置等方面仍处于较为落后的局面。通过归纳风险管理的方法及规律对风险识别、风险计量、风险监测及风险控制的各种手段构建的风险防控体系。借助有效的风险评价模型可以有效帮助国内银行风险防控落到实处,并通过RAROC系统等来尝试预测风险成本和收益。根据现行的国际惯例与操作执行标准,收集国内外贸易融资发展相关书籍资料,结合建行对贸易融资风险管理的风险偏好及相关理论,风险控制模型,加强对对青岛建行现有贸易融资风险管理运行情况进行分析。将遵循规范研究和实证分析的思路,系统地介绍国际贸易融资基本概念、发展沿革,建行青岛分行融资产品种类、剖析融资风险成因、银行操作业实务、贸易融资业务流程管理及风险防范及处置机制等内容；贸易融资业务的起源现状及在我国的发展情况,引用国内外不同时间对贸易融资的专家见解；结合青岛建行工作实践的积累与对业务产品的理解,对本行风险防控运作流程、监管架构、审批落实模式及存在的问题进行分析,通过实际真实案例分析,加强对国际贸易融资风险管理的研究。从建行对办理信贷业务把控风险原则,对贸易融资业务的风险偏好,评级授信体系完善、差异化贷后监管、市场营销策略方向的选择及操作管理等方面,结合目前最新贸易融资业务风险的实际案例及经验教训,对商业银行风险管理改进提出可行且较为具体的对策及建议。提出对建行青岛分行贸易融资业务风险管理的总体思路及具体措施,提高思想认识,储备具备国际业务经验人员,合理规划贸易融资结构,并使用风险衡量系统RAROC来协助选择银行贸易融资客户的选择,对贸易融资实务的风险识别提出应对风险的解决措施和方案,对整个贸易融资业务流程进行全程监控,将贷前、贷中、贷后环节全部细化,并详细的罗列可操作的具体措施。希望对商业银行在贸易融资业务风险防控的打开新的思路,推动商业银行国际贸易融资业务的发展,促进我国银行业资产安全,同时为促进国内商业银行发展该业务提供较好的借鉴作用。
[Abstract]:International trade financing means the total of all kinds of credit business services that the bank provides financial needs to traders by means of slow - release measures in the process of capital settlement in international trade , so as to provide financial demand for traders . With the development of international trade financing business , the financing risk starts to be exposed frequently , how to timely screen and guard against trade financing risks , strengthen supervision and improve the bank personnel quality , domestic commercial banks need to grope and establish a set of effective risk prevention measures to improve the management level of trade financing risks .

In the field of international trade , the trade financing business has very important significance . The trade financing business of our country still has short time , the business varieties and the business experience are still relatively scarce . With the development of international trade , the bank advances more and more cases , the means are more concealed , and the risk control system is exposed to the risk identification , risk measurement , risk monitoring and risk control . By means of the effective risk evaluation model , the risk control of the domestic banks can be effectively helped to fall to the real place , and the risk cost and the benefit are predicted through the RAROC system and the like .

According to the current international practice and operational implementation standards , collect the relevant book information about the development of trade finance at home and abroad , combine the risk appetite and relevant theories and risk control models of trade financing risk management with CCB , introduce the basic concept of international trade finance , develop the evolution , build the financing product category of Qingdao branch , analyze the cause of financing risk , bank operation practice , trade financing business process management and risk prevention and disposal mechanism , etc .
The present situation of trade financing business and its development in our country , citing different time to trade financing expert opinion at home and abroad ;
Combined with the accumulation of the work practice of Qingdao ' s CCB and the understanding of the business products , this paper analyzes the operation process , the supervision structure , the approval and implementation mode and the existing problems of the Bank ' s risk prevention and control operation flow , and strengthens the research on the risk management of international trade financing through real case analysis .

This paper puts forward some feasible and concrete countermeasures and suggestions on the risk management of commercial banks in the aspects of credit business risk control principle , risk preference of trade financing business , improvement of rating credit system , differentiated loan supervision , marketing strategy direction selection and operation management .

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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