| International trade finance and international trade,international settlement,closely linked,is the commercial Banks to provide import and export enterprises with import and export trade settlement way related to the financing.Development of international trade financing business can bring the "win-win" for Banks and companies.Cross-border secured financing business is international trade finance innovation and extension in recent years,is a commercial competed developing international financing products.A bank as the first city commercial Banks and credit cooperatives restructuring the preparation by the province of joint-stock commercial Banks,has its own product structure and the unique advantage of financing.Face degree deepening of economic globalization and China’s "area" development strategy,the advance of countries continue to relax the control requirements of cross-border financing guarantee business,its operation process is simplified,the implementation of "going out" for the enterprise outside financing to provide strong support,cross-border secured financing business is becoming a hot spot of international trade financing of commercial Banks development.Qualify for loans refers to the guarantor in registered in China,the debtor and creditor registered outside China’s cross-border guarantee.As an important form of cross-border secured financing,compared with common external guarantees,qualify for loans increased domestic entities within the counter guarantee link,in meet enterprise cross-border financing,reduce costs and more effective guarantee domestic bank assets security.How scientific and rational internal product design and innovation are also qualify for loans cross-border secured financing becomes the commercial bank market competition need to solve the problem..This passage analyzes the structure of A bank’s international trade finance products,existing problems and Suggestions to resolve the problem.Internal qualify for a loan off-balance-sheet financing product innovation are analyzed in product design,this paper introduces the qualify for loans business within product features and functions,analyzes the inner qualify for loans business facing the market environment and market prospect,and comparing with the similar products and cost benefit analysis,put forward a typical cross-border guarantee financing product advantage and promotion strategy,based on the situation of economic development at the same time combining the qualify for business loan policy regulation and qualify for in the present situation proposed the development ofcredit business process and the development of the business risk prevention measures. |
