【作者】 初阳；

【导师】 黄庆波；

【作者基本信息】 大连海事大学 ， 国际贸易学， 2012， 硕士

【摘要】 伴随着经济全球化的不断发展,国际贸易融资业务由于其自偿性强、风险低以及收益率高等特点,己成为我国商业银行的一项重要业务。国际贸易融资业务的发展不仅会对银行的收益产生一定的影响,还会对我国国际贸易的发展产生深远影响。由于在国际贸易融资业务方面我国的商业银行起步较晚,相应的风险防范意识及防范能力较弱,因此在银行业竞争日益激烈的今天,国内的银行业如何抓住机遇,扩大自身国际贸易融资的业务,尽可能最大限度地获取融资收益,同时又要有效地防范和控制融资风险,是本文将要研究及解决的问题。此外,随着金融危机和欧债危机对世界经济影响日益扩大,国际贸易融资环境不断恶化,对银行业产生了不利影响。同时,我国大多数商业银行在国际贸易融资的业务上没有建立健全风险预警机制,当风险来临之际,就显得束手无策。因此,商业银行如何行之有效地规避和控制贸易融资业务的风险已然成为其业务拓展的首要任务之一。本文在船舶融资中预付款保函银团风险分析实证研究的基础上,结合商业银行国际贸易融资风险的特点、成因及种类,提出建立全面风险管理ERM体系来有效防范和规避此类风险,并提出相应的政策建议,力争把国际贸易融资风险控制到最低水平,以推动我国商业银行国际贸易融资业务的发展。更多还原

【Abstract】 With the development of economic globalization, international trade financing has become an important business in China’s commercial banks, due to its characteristics of strong Self-Liquidation, low risk and higher rate of return. The development of international trade financing not only has impact on bank earnings, but also influences the development of China’s international trade. Commercial banks in our country do not have a long history of developing international trade financing business, so risk guard consciousness and ability are not strong. In the face of increasingly fierce international competition, it is worthy of special attention that how to grasp opportunity to expand international trade financing for banking industry in our country, in order to maximize financing benefit and intermediate business income, but also effectively prevent and control the financing risk.In addition, with the increasing impact of financial crisis and the debt crisis on world economy, international trade financing environment worsens ceaselessly, which produces adverse effect on banking industry. At the same time, the majority of our commercial banks in the international trade financing business do not establish the risk warning mechanism. In this case, when the risk is approaching, there seems to be no method to solve the problem. Therefore, how to establish a set of measures to avoid and control the trade financing risk effectively to expand business for commercial banks has become one of the most important tasks.Based on the empirical study of risk analysis on advance payment guarantee syndicated in ship financing and combined with the international trade finance business of commercial bank risk characteristics, causes and types, this article proposes the establishment of a comprehensive risk management ERM system to effectively prevent and avoid this kind of risk, and puts forward the corresponding policy suggestions, and strive to control the international trade financing risk to a minimum level, in order to promote development of international trade finance business of commercial bank in our country.更多还原