我国商业银行国际贸易融资风险防范研究教程.docVIP

我国商业银行国际贸易融资风险防范研究 本文主要对国内商业银行的两大问题进行了分析。一是在贸易融资方面存在的问题；二是在风险防范方面存在的问题。并同时分析了贸易融资风险的种类与成因。问题主要是结合国际贸易融资和风险管理的理论来体现的，其中最需要引起商业银行重视的风险是信用风险，这是我们在论文中通过对多种情况的分析得出的重要结论。国际贸易融资综合授信模型在论文中被得以构建，同时论文并对模型的建立及参数设定等方面都进行了深入的核查与研究。对于企业的融资授信额度，均可用防范模型来确定，并且对于商业银行的信用风险也可得以防范。以此为基础，对防范模型的实际研究提供必要条件。 论文从建立全面的风险管理体系、规范标准化的操作流程和提高从业人员的综合素质三个方面提出了加强风险防范的对策性建议，从而达到对包括信用风险在内的可控风险进行全面的防范的作用。 关键词：国际贸易融资；风险防范；商业银行 Abstract International trade financing is based on the development of international trade and the business of commercial banks. After World War II, international trade financing has made great development. It has changed a lot no matter on the scale and methods. Especially with the recent development of import and export trade, enterprises need commercial banks to provide financing services urgently in order to meet the needs of normal operations. So it brings greater opportunity for the development of commercial banks’ international trade financing business. The risk management of commercial banks started late in China. The ability to manage risk of our banks is weak relatively. Therefore, it is very important to strengthen the research on how to prevent the risk of international trade financing business in Chinese commercial banks. The problems of international trade financing and the deficiencies of risk prevention in Chinese commercial banks are pointed out in this thesis firstly, after introducing the theories of international trade financing and risk management. Then, it analyses the types and causes of financing risk. And the conclusion that credit risk is the main risk needing to be prevented is reached. A comprehensive credit model of international trade financing is established in the main part of this thesis. In this part, the author focuses on how to construct the model and determine parameters. This model will control credit risk by determining the financing credit lines for different enterprises. On this basis, the model is applied to case study. At end, the autho