The Research On Risk Management Of International Trade Financing Of Commercial Banks

Over the past 20 years, international trade is becoming increasingly fierce. In order to obtain sufficient operating funds, there is an urgent need of the corresponding financial clearing and settlement services for trade financing, and the bank's international trade financing business gets rapid development. Of course, trade financing business is carried out with great risk, the primary consideration of the commercial banks in all countries engaged in trade financing business is no doubt of the risk management issues. And the risk management research in western developed countries has decades of history, but in China commercial banks with international trade financing business have only 10 years of history, risk management is even more to start too late. Therefore, with the example of Bank of China Wuxi Branch, it is of great practical significance to study how to strengthen state-owned commercial banks in trade financing and risk control.Collecting a lot of information from domestic and abroad, and based on 6 aspects of principal business of commercial bank trade financing risk management theory, following the ideas of "normative researchâ†'example analysis", with the actual situation of Bank of China Wuxi Branch we make analysis of its construction of the trade financing risk-control system.Mainly include: (1) The background of the trade financing and risk control of Bank of China Wuxi Branch; (2) From the point of view of "degree of risk of different types of trade financing products, the risk level of bond products, the different degree of risk of duration of the trade financing products, the practices of risk factor at the low level banks in the trade financing risk management", we study the risk level of trade financing products of Bank of China Wuxi Branch, by comparison, trade financing products on the overall level of risk is lower than credit products, of which: Cargo control of the trade financing products is in risk of 0.5 below, the document in line with L/C and export double insurance have the lower level of risk; (3) There are total 6 factors in both inside and outside of causes to trade financing risk in Bank of China Wuxi Branch; (4) From the five aspect of " trade financing credit risk management system in constructing of Bank of China Wuxi Branch, operating risk management system construction, the establishment of the credit approval process, risk management culture System ", we have a more comprehensive discussion of the problem of trade financing risk control system of Bank of China Wuxi Branch. We point out that Bank of China must learn from the international banks for the experience, and on the other hand it must solve the problem by itself in the trade financing, and make development from the realistic basement to the high level in its management, and no single leap is allowed.