商业银行大宗商品贸易融资风险识别研究
发布时间：2018-12-18 20:15
【摘要】：随着我国经济不断持续高速发展以及经济全球化的进一步加深,国内企业开始选择走出去,开拓国际市场业务。我国是全球最大的大宗商品进口国,铁矿石、大豆、铜等大宗商品的进口额一直居世界前列。而在大宗商品贸易融资业务中,银行由于业务的跨国性,面临的风险和问题往往无法预测。我国商业银行贸易融资风险管理的理念和技术水平均存在有一定的欠缺,与世界一流银行的先进风险识别与管控水平相比,存在较大的差距。因此,建立行之有效的、科学的风险识别与控制管理方法,针对大宗商品贸易融资风险进行科学的识别和评价,采取有效措施防范和化解风险,最大限度地降低风险所造成的损失,对于促进商业银行的稳健运营以及改善大宗商品贸易融资的控制与管理,具有重大的理论意义和现实意义。本文基于现代金融风险管理理论,在综合认识国内外现有文献研究成果的基础上,从商业银行大宗商品贸易融资的特点入手,分析风险的分类及成因,系统探析识别商业银行大宗商品贸易融资风险的合理方法,归纳总结处理贸易融资风险的总体思路和具体防范措施,并基于建设银行J分行大宗商品贸易融资的风险管理现状,通过层次分析法和模糊综合评价法建立风险评估模型,对商业银行大宗商品贸易融资业务风险进行了识别与分析。研究结论对于商业银行识别和防范大宗商品贸易融资风险,具有一定的实际参考价值,对于商业银行具体的大宗商品贸易融资风险防控政策和措施的制定,具有一定的理论参考价值
[Abstract]:With the continuous rapid development of Chinese economy and the deepening of economic globalization, domestic enterprises begin to choose to go out and open up international market business. China is the world's largest importer of commodities, iron ore, soybeans, copper and other commodities have been among the world's largest imports. In commodity trade finance, the risks and problems faced by banks are often unpredictable because of the transnational nature of the business. The concept and technical level of trade financing risk management of commercial banks in our country are deficient to some extent. Compared with the advanced risk identification and control level of the world's first-class banks, there is a big gap. Therefore, it is necessary to establish effective and scientific risk identification and control management methods, to identify and evaluate the risks of commodity trade financing scientifically, and to take effective measures to prevent and resolve the risks. It is of great theoretical and practical significance to reduce the losses caused by risk to promote the steady operation of commercial banks and to improve the control and management of commodity trade financing. Based on the theory of modern financial risk management, and on the basis of comprehensive understanding of the existing literature at home and abroad, this paper begins with the characteristics of commodity trade financing in commercial banks, and analyzes the classification and causes of risks. This paper systematically analyzes the reasonable methods of identifying commodity trade financing risks of commercial banks, summarizes the general ideas and specific preventive measures for dealing with trade financing risks, and based on the risk management status quo of commodity trade financing in J Branch of China Construction Bank, The risk assessment model is established by AHP and fuzzy comprehensive evaluation method to identify and analyze the risk of commodity trade financing business of commercial banks. The conclusions are of practical reference value for commercial banks to identify and prevent the risks of commodity trade financing, and for the formulation of specific policies and measures for commercial banks to prevent and control the risks of commodity trade financing. It has certain theoretical reference value.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.5
[Abstract]:With the continuous rapid development of Chinese economy and the deepening of economic globalization, domestic enterprises begin to choose to go out and open up international market business. China is the world's largest importer of commodities, iron ore, soybeans, copper and other commodities have been among the world's largest imports. In commodity trade finance, the risks and problems faced by banks are often unpredictable because of the transnational nature of the business. The concept and technical level of trade financing risk management of commercial banks in our country are deficient to some extent. Compared with the advanced risk identification and control level of the world's first-class banks, there is a big gap. Therefore, it is necessary to establish effective and scientific risk identification and control management methods, to identify and evaluate the risks of commodity trade financing scientifically, and to take effective measures to prevent and resolve the risks. It is of great theoretical and practical significance to reduce the losses caused by risk to promote the steady operation of commercial banks and to improve the control and management of commodity trade financing. Based on the theory of modern financial risk management, and on the basis of comprehensive understanding of the existing literature at home and abroad, this paper begins with the characteristics of commodity trade financing in commercial banks, and analyzes the classification and causes of risks. This paper systematically analyzes the reasonable methods of identifying commodity trade financing risks of commercial banks, summarizes the general ideas and specific preventive measures for dealing with trade financing risks, and based on the risk management status quo of commodity trade financing in J Branch of China Construction Bank, The risk assessment model is established by AHP and fuzzy comprehensive evaluation method to identify and analyze the risk of commodity trade financing business of commercial banks. The conclusions are of practical reference value for commercial banks to identify and prevent the risks of commodity trade financing, and for the formulation of specific policies and measures for commercial banks to prevent and control the risks of commodity trade financing. It has certain theoretical reference value.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.5
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9 傅s，
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