Research On Business Innovation And Risk Of International Trade Financing For Chinese Banks

At present,the country is making great efforts to the layout of “The Belt and Road” strategy,the advancing of which Strategy will promote the development of international trade financing for huge number of Chinese enterprises.The development of international trade will further promote China to expanded international economic exchanges and trade with other countries,which finally increase the overall national strength of our country.With the implementation of the "The Belt and Road" strategy,the scale and level of foreign investment of Chinese enterprises has risen by a big margin,along with the national economic and trade relations with other countries more closely.The scope of international trade financing has further expanded,which demand higher and more comprehensive service level of Chinese banks.In 13 th Five-Year,the next ten years even twenty years,the country will continue putting in time and effort to keep the Strategy going,especially on the way of national investment、trade and finance with the countries along the line of“The Belt and Road”.It is clear that Chinese banks will receive unprecedented international trade financing business opportunities in these area.On the other hand,the implementation of the "The Belt and Road" Strategy is facing hitherto unknown complexity and arduousness,while economic and trade cooperation is facing greater risks and challenges,which brought great obstacles and risks to Chinese banks to expand international trade financing business.How to correctly grasp the new period and further adjust their own development strategies,has become an urgent research topic for Chinese banks.This paper aims to explore the development of international trade financing business of Chinese banks from the angle of the effect of “The Belt and Road” Strategy.First of all,based on the current situation of the development of international trade financing business of Chinese banks,this paper studies and analyzes the new characteristics of international trade financing business under the new situation,then expounds the main varieties of the international trade financing business of Chinese banks and focuses on the factors that restrict the development of China’s international trade financing business.Secondly,on the basis of theoretical research,this paper summarizes how the international trade financing business of Chinese banks can find business breakthrough from four dimensions: product innovation,structural innovation,management innovation and layout innovation.Through the combination of theory and case,we try to find the innovation path of how to expand international trade financing business for Chinese banks on the background of “The Belt and Road” Strategy.Thirdly,from the practical level,this paper traces the risks of international trade financing business of Chinese banks under the new situation,mainly from the aspects of geopolitics,agent-bank credit risk,commodity market risk and credit risk of clients.Finally,based on the international environment,the author puts forward her own opinions and suggestions on how to strengthen the risk control of international trade financing business for Chinese banks.