Research On China’s Commercial Bank Bulk Commodity Financing Risk And Counter Measures

The deepening integration of global economy and finance and the rapid developingof commodity trade, brings business opportunities of the development of the commercial banks’ commodity financing, but also brings the risk control challenges.Commodity financing products from the previous simple import letter of credit, mortgage loan, credit under the trust receipt loans and other traditional products developed to cover the whole process of trade of cash flow, trade flow, logistics, information flow for integrated management of diversified financial services. Commodity financing products through widening the financing channel, solve customer financing demand, but the attendant is lax supervision before the loan and after the loan which leads to weakening of the commodity financing risk control, especially in the current overall macroeconomic situation with deepen inflation and tighten monetary policy, the the bank commodities financing is diverted to a greatly increased risk. In2011,the European banking system is affected badly and refinancing pressure rise because the global financial market turbulence and the international commodity prices continue to fall and the European debt crisis continues to deepen.by the Influence of macro-control and folk debit and credit crisis and currency loan size limits, also by the influence of Bank acceptance bill discount prices maintaining high, the domestic economy has encountered operating difficulties, such as the capital chain rupture,and also causing Overdue loans and other phenomena, some commodities customers suspected of Defrauding loans and, folk debit and credit and other reasons have formed the default risk.The article applies economics, finance related basic theory knowledge, qualitative analysis and quantitative analysis, theoretical analysis and empirical analysis methods such as combining, closely around " commodity finance risk " this one theme, on China’s commodity financing risk undertook comprehensive analysis. This article through the analysis of A branch commodity finance development present situation and the existing risk, find the root cause, combined with the current domestic and international situation puts forward the Countermeasures of commodity financing risk measures, mainly about the commodity price fluctuations can lead to risk, the pledge of movables easily lead to risk, and the Off Shore Company connected transaction easy to trigger risks, verify the authenticity of the trade background caused by lax risk and its prevention measures, the actual work is of great guiding significance to promote the commercial banks, commodity financing business fast, healthy, orderly development.