Study Of Commercial Bank International Trade Finance Business

With the development of global economic integration, ways and means ofinternational trade is more and more diverse, in terms of international trade financing,strong business of foreign banks and domestic commercial banks gap appears day by day.China’s commercial banks are facing great challenges, financial innovation has become animportant strategic task of the development of banks.In this paper, using the research method of multiple perspective analysis, from thebank, the existence of our country commercial bank international trade financing businessproblems in three aspects of enterprise and society, commercial banks have ignored thenew financing products, no use of advanced risk management system of comprehensive;the enterprise fails to timely use of effective means of financing, related enterprises mutualsecurity risks and the complex debt relationships lead to high accounts receivable; lagcorrelation law society environment, import and export policy system is not perfect, lack ofsocial credit mechanism.Using internal and external factors research methods, combined with the conclusionthat the commercial banks, risk is inherent reasons, one is from the bank itself, theexistence of asymmetric information between all levels, capital structure should beintegrated, the lack of sound internal control mechanism, personnel management andtraining needs to be improved and the information technology system is not perfect andother reasons; the two is from the external environment, the existence of competition isintense, serious fraud behavior, the uncertainty of external environment and the lack oflaws and regulations, comprehensive definition, influence factors.Through the method of case study, deep analysis of risk and the corresponding;analysis of the commercial banks and the relevant characteristics of successfulinternational trade finance products, is conducive to better carry out international tradefinancing business, and some commercial bank’s international trade financing problems,puts forward some policy suggestions, one is to improve the internal control system andsystem, two is to regulate international trade financing credit approval process andmanagement system, three is to carefully investigate customer information, the preventionof financial risk, the four is to improve the comprehensive quality of employees, strengthenthe awareness of risk prevention, the five is to make full use of domestic R&D resources,speed up the international trade financing product innovation measures of solution.