A Study On Export Letter Of Credit Risk Prevention Of Shanghai Pudong Development Liaocheng Branch

On the status of Shanghai Pudong Development Liaocheng Branch,its current major products of international settlement comes as export credit business,fee income of export letters of credit and trade finance in these two areas constitute the main source of profit for banks.With the current global economic crisis continue to extend export credit facing increasing risks,serious impact on bank profits,and therefore,most of the current banking problems to be solved is to prevent and control risks.Taking Liaocheng Branch as Shanghai Pudong Development Bank study,we analyze the development of export credit business the bank and facing the environment,and the risk of Liaocheng Branch Export Credit Business in existing preventive measures and defects depth analysis,improved risk prevention measures proposed on the basis of recommendations.Paper is divided into six parts.The first part is "Introduction",mainly for research significance,background,ideas and methods,content and literature were described in detail herein.The second part is about the theories of export letter of credit and its risks.The third part is the introduction and external environment analysis of export letter of credit business in Shanghai Pudong Development Bank Liaocheng Branch.It mainly introduces the basic situation of Liaocheng Pudong development,export credit business scope of business,products and trade partners,combing the current treatment process,and then focuses on the face of the domestic and international economic environment,the main macroeconomic slowdown,international trade demand,global risk levels rise,continued downward Chinese the economy,weak external demand exports fell,the regional environment of fierce competition.The fourth part analyses the risks and existing prevention measures of export letter of credit in Shanghai Pudong Development Bank Liaocheng Branch.From the different types of goods,different countries and regions and various business sectors of the three different latitude of risks,and then pointed out that several existing latitude preventive measures,finally to clarify the defects of current business model,mainly to involve different goods without documents targeted audit.Involved in different countries and regions in the documents without risk of screening,evaluation mechanism in each link,document management mechanism,supervision mechanism and the beneficiary agency relationship is not sound.At the end,the paper raises improvement suggestions of the risk precautions in Shanghai Pudong Development Bank Liaocheng Branch.It presents the Pudong Development Liaocheng branch export credit business risk prevention measures of the recommendations for improvement,mainly the establishment of differentiated management,the establishment of the issuing bank's credit evaluation mechanism and the reputation evaluation mechanism,strengthen the construction of legal system in the establishment of the beneficiary,supervision mechanism,improve the ability to control the wind after risk,establish a risk warning mechanism.Maverick of this article at: risk of loss for the prevention aspects of the document,whether or express mail customers pay a single company to take orders,will be electronically registered and implementation of line management approach,so that the data will not only help reconciliation,but also to solve all sorts of negative phenomena timely information is confusing and does not supervise other aspects;at the same time,further analysis of the credit risk levels between countries and regions,at different levels of management for workers in export credit business implementation level management personnel in the configuration,it helps to enhance the work efficiency,but also can play a role in risk control;export credit and financing for the settlement process of risk prevention,it is recommended to accumulate and analyze data on the basis of risk prevention,and to some extent the role of prevention of risks.