ZG银行江西省分行国际贸易融资业务风险管理研究

发布时间：2018-04-25 23:41

本文选题：ZG银行江西省分行 + 贸易融资　；参考：《江西师范大学》2015年硕士论文

【摘要】：国际贸易融资是围绕国际贸易结算各个环节所产生的资金和信用的融通活动。银行国际贸易融资则是银行围绕国际结算的各个环节为进出口企业提供便利资金的综合。随着世界经济一体化的推进,国家与国家之间的贸易往来日益频繁,自然催促了银行国际贸易融资业务的快速发展。在新的国际贸易环境下提高商业银行控制和处理贸易融资业务风险能力不仅直接关系到银行自身的经营管理效率,更能为降低商业银行贸易融资业务风险、维护金融系统的稳定性提供强有力的保障。ZG银行江西省分行,作为一家长期经营货币与其它各种衍生产品的商业银行,在日益复杂的国际国内环境中形成了一定的贸易融资风险的鉴别和防范能力,但一方面该银行在实际运营中过多地将精力投放于市场营销环节中,而忽略了加强风险管理的重要性,另一方面该银行的一些贸易融资风险管理措施倍显落后而出现诸多新问题也难以应对各种新的贸易融资风险的出现。本文在深入了解国内外商业银行国际贸易融资业务风险防范与控制的理论研究成果和先进实践经验基础上,分析了ZG银行江西省分行国际贸易融资业务的发展现状、特点和常规及其特色产品的开展情况,对ZG银行江西省分行在开展该项业务过程中所面临的潜在风险进行了深入分析,揭示了信用风险、市场风险以及内部操作风险是该行在开展国际贸易融资业务时面临的主要风险,同时也在一定程度上面临着国家政治法律的不确定性风险,进而对这些风险所赖以生存的制度环境及其它成因进行了探索,分析表明贸易融资业务风险管理体系缺失、风险危害性认识不足、高素质专业化人才的匮乏、管理技术落后等是商业银行贸易融资业务风险的主要诱因。鉴于此,有必要通过完善国际贸易融资内控机制、加强专业人才培养、提高风险管理技术水平、健全国际贸易融资法规体系等方式强化ZG银行江西省分行国际贸易融资风险的防范与控制。
[Abstract]:International trade financing is the financing activity of funds and credit around each link of international trade settlement. Bank international trade financing is the synthesis of banks providing convenient funds for import and export enterprises around various aspects of international settlement. With the development of world economic integration, the trade between countries is becoming more and more frequent, which naturally accelerates the rapid development of international trade financing business of banks. Under the new international trade environment, improving the ability of commercial banks to control and deal with the risks of trade financing business is not only directly related to the management efficiency of banks themselves, but also can reduce the risk of commercial banks' trade financing business. The maintenance of the stability of the financial system provides a strong guarantee. ZG Bank Jiangxi Branch is a commercial bank that operates money and other derivatives for a long time. In the increasingly complex international and domestic environment, the bank has formed a certain ability to identify and prevent trade financing risks. However, on the one hand, the bank has put too much energy into the marketing links in its actual operation. The importance of strengthening risk management is neglected, on the other hand, some trade financing risk management measures of the bank lag behind, and many new problems can not cope with the emergence of various new trade financing risks. On the basis of deep understanding of the theoretical research results and advanced practical experience of risk prevention and control of international trade financing business of commercial banks at home and abroad, this paper analyzes the current situation of the development of international trade financing business in Jiangxi Branch of ZG Bank. In this paper, the potential risks faced by Jiangxi Branch of ZG Bank in carrying out this business are deeply analyzed, and the credit risk is revealed. The market risk and the internal operation risk are the main risks that the bank faces when it carries out the international trade financing business. At the same time, it also faces the uncertainty risk of national politics and law to some extent. Furthermore, the institutional environment and other causes of these risks are explored. The analysis shows that the risk management system of trade financing business is missing, the awareness of risk harmfulness is insufficient, and the lack of high-quality professional personnel. Backward management technology is the main inducement of commercial bank's trade financing business risk. In view of this, it is necessary to improve the internal control mechanism of international trade financing, strengthen the training of professionals, and improve the technical level of risk management. Strengthening the prevention and control of the risk of international trade financing in Jiangxi Branch of ZG Bank.
【学位授予单位】：江西师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F740.4;F752;F832.2

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