The Current Situation, Problems And Innovation Route Of International Trade Financing Of Commercial Bank

In the current era, enterprises go abroad to enter the overseas market is an important way for its development and growth. International trade is an important part for enterprise enter into the overseas market, and it is in desperate need of appropriate financial support. International trade financing is rising under the situation. Through providing financing services based on the international settlement to the import and export company, it can not only improve the company’s global market operation, but also bring high profits to the bank.With the rapid development of China’s economy, the scale of the international trade financing expanding. However, because of the openness of financing market in China, the strong foreign banks gradually landing in China, exacerbating the financial market’s competition. If banks of China can not develops new services and innovates financial products, the gap between domestic banks and foreign banks will continue expanding, and then make domestic banks at a disadvantage. Only if banks of China to do financing innovation, making financial support and trade needs fit each other, then could it promote the development of social economic, trade and finance faster and better.This paper reviews the academic theory of financial innovation, and describes the current situation of the development of international trade financing of banks in China, in consideration of the actual characteristics of the market and the banks’ business model, and puts forward the innovation methods of international trade financing of banks. It mainly expounds the innovation based on the market environment, service process and technology development. Finally, aiming at the problems existed in the development of international trade financing business of commercial bank, range from the weak of risk awareness, poor ability of risk control, the relative concentration and single of the object of international trade financing, the strong randomness for checking the credit scale of international trade financing business, and put forward some personal suggestions.