Research On Innovation Strategy Of Agricultural Bank Of China’s International Trade Finance

Recently, the international trade financing of commercial banks in China witnesses a rapid development, with more and more financial innovation products emerging. During the slow global economy recovery and continuous domestic economy structure adjustment, Agricultural Bank of China is now facing fierce challenges due to insufficient market demand, hidden risk rebound, and rigid supervision. Present problems mainly lay in 4 aspects, i.e., external supervision lacks of advance judgment, banking business philosophy needs changing, weak client basis, and poor innovation application.This thesis combines external and internal motives, points out a three-dimensional reform direction and requirement, analyses how to tackle problems, meet client’s need and control risk. Only if the banking industry grasps the precious opportunity and finds the right way of trade financing innovation, could it enjoy a healthy and long-term growth, enhance its risk-control ability, competitive advantages, and overall strength.There is no ending, no fixed model of international trade financing innovation. The thesis specifically gives out 6 strategies of international trade financing innovation, i.e., by optimizing the traditional products, by combining domestic and foreign trade, by cooperation between peers, by characteristic services, by electronic platform and by preferential policies. Throughout the strategies recommendation, vivid examples and real cases are applied for a better understanding and application.Because trade financing requires high efficiency and specialty, depends on a coherent planning and resource balancing, the thesis also points out a full range of support and safeguard, mainly from mechanism, marketing techniques, team-building and risk managements, etc..