Research On Risk Management Of International Trade Finance Business Of China’s Commercial Banks

With the global economic integration and China joining WTO, the rapiddevelopment of China’s foreign trade has driven the rapid development of theinternational settlement business and international trade finance business of China’scommercial banks. In the inter-bank the increasingly fierce competitive environment,because of its high liquidity, low risk, fast convergence, high income, assets businessand intermediate business in one and other characteristics, the international tradefinance business as "gold" business by the international banking sector, become thefocus on the development of business of commercial banks. With international tradefinance business competition of the Commercial Bank is becoming increasingly fierce,the commercial banks in order to talent showing itself in the competition,continuously innovate international trade financing business, from the service to asingle sale transaction extends to the service in the whole process of trade, and eachkind of business combination and the product mix in succession. Along withcontinuous innovation of the international trade financing products, the risk of theinternational trade financing business of commercial banks becomes more and morecomplicated. Therefore, research on risk management of international trade financebusiness of China’s commercial banks, is of great realistic significance.Based on the risk management of international trade finance business of China’scommercial banks as the research object, through to the analysis of international tradefinancing risk management system of China’s commercial banks and the preventivemeasures of risk, the paper revealed the presence of risk management of CommercialBank of international trade finance business in China and puts forward suggestions.The paper first analyses the international trade financing business of commercialbanks and risk category, then analyses the current situation of international tradefinancing business development of China’s commercial banks. On this basis, the paperdiscusses the credit management system of the international trade finance business ofChina’s commercial banks, and comparatively analyses the risk preventive measuresof several major international trade finance business of China’s commercial banks.Finally, with the above analysis, the paper points out the problem of risk managementof international trade finance business of China’s commercial banks and puts forwardsome improvement suggestions.