An Optimum Research On Domestic Trade Financing Business In Jiangxi Bank

At present,trade financing has become one of the most important growth point in the field of short-term loan of international banks.At the end of 2009,the world's largest 50 banks have been providing this service to their enterprise customers.In China,trade financing has become a main direction to explore business market among China CITIC bank,China Minsheng Banking Co,Ltd,Shenzhen Development Bank,and other small banks.At the same time,Industrial and Commercial Bank of China,China Construction Bank,Bank of China,Bank of Communications and other large banks have stepped up their business development.Trade financing has become a focused business area attracts attention in all banks,and the competition among banks is fierce.The rapid development of trade financing has provided more financing channels for enterprises,especially small and medium-sized enterprises,which eased their financing difficulties to some extent.Jiangxi GS bank has speeded up a development of trade financing and increased its business scale since 2009.However,some problems exposed in the process,which lead to a bottleneck in trade financing development.Therefore,it is necessary to optimize business management,improve efficiency of business in trade financing,and enhance its market competitiveness.In this paper,literature research method,comparative analysis method,investigation method are integrated used to analyze the developing status and problems of domestic trade financing in Jiangxi GS bank,and problems existing in process of business development have been pointed out.Moreover,based on a deep investigation,abundant firsthand data,and typical cases,by referring to the practice and experience of trade financing business in banks home and abroad,optimization scheme from five aspects are proposed,which are business resources,financing structure,credit rating,risk management and assessment mechanism.And safeguard measures to implement the scheme from the human resource,organization mechanism and information management three aspects is proposed in addition.Therefore,this paper has an important reference value on improving the business system construction of domestic trade financing in Jiangxi GS bank,improving its operating performance,deepening excavation of customer value,expanding clients numbers,and promoting a business transformation.Meanwhile,it has an important significance to promote a development of small and medium-sized enterprises in Jiangxi Province and to improve the core competitiveness of the bank.