Z银行信用证电子交单风险控制问题及优化方案研究

发布时间：2018-02-04 18:20

本文关键词： 信用证电子交单电子提单电子签名风险防范　出处：《华东理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：在互联网时代,随着国际经济与贸易的不断发展,国际结算交易中的各方当事人对结算效率、货物流转速度、管理成本等方面的要求也越来越高,贸易电子化的需求不断增加。信用证是国际贸易的主要支付手段之一,其传统的纸质交单形式已不能完全满足交易各方的结算需求。在信用证业务的运作过程中,交单形式也随着国际贸易的电子化发生着变化：由传统的纸质交单向电子交单发展。电子交单可以实现企业贸易无纸化,加速单据和货物流转速度,降低交易成本和管理成本,提高企业的管理水平,在当今的国际结算信用证业务中的优势越来越明显。电子交单的出现是单据处理方式的革命性变化,是国际贸易领域的重要进步。然而,由于技术手段的不完善和法律法规的不深入,电子交单的运作衍生出了许多亟待解决的新问题。Z银行作为中国乃至全球银行业中的翘楚,其国际结算业务一直在同业中处于领先地位,其信用证电子交单业务目前也在如火如荼地发展。本文希望通过理论和实务双层面的分析,对信用证电子交单的特点、实现的过程和可能引发的各种新问题等做出阐释,并结合Z银行信用证电子交单业务的开展情况提出一些风险防范的举措,为Z银行未来更好地开展该业务提供思路,也为推动信用证电子交单的发展做出一点点建议。
[Abstract]:In the Internet era, with the continuous development of international economy and trade, the parties in the international settlement of transactions in the settlement efficiency, goods flow speed, management costs and other aspects of higher and higher requirements. The demand for electronic trade is increasing. Letter of credit is one of the main means of payment in international trade. Its traditional paper delivery form can not fully meet the settlement needs of the parties to the transaction. In the operation of the letter of credit business process. The form of document delivery is also changing with the electronic trade of international trade: from the traditional paper to one-way electronic document delivery development. Electronic delivery of documents can achieve paperless enterprise trade, accelerate the speed of documents and goods flow. It is more and more obvious to reduce the transaction cost and management cost and improve the management level of the enterprise in the international settlement letter of credit business nowadays. The appearance of electronic presentation is a revolutionary change of the way of document processing. It is an important progress in the field of international trade. However, due to the imperfection of technical means and the indepth of laws and regulations. The operation of electronic payment has given rise to many new problems that need to be solved urgently. Bank Z is the leading bank in China and even in the global banking industry, and its international settlement business has always been in the leading position in the same industry. The electronic documentary business of the letter of credit is also developing in full swing. This paper hopes to analyze the characteristics of the electronic documentary delivery of the letter of credit through both theoretical and practical analysis. The realization of the process and the possible causes of a variety of new issues to explain, and combined with the Z bank letter of credit electronic documentary business to put forward some measures to prevent the risks. It also provides some suggestions for Z Bank to develop this business better in the future and to promote the development of L / C.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F740.4;F832.3

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