An Analysis Of The International Trade Financing Risk Management Of My Country's Commercial Banks

With the gradual progress of One Belt And One Road and RMB internationalization,commercial banks have unprecedented opportunities to expand international trade financing business.From the most basic settlement and sale of foreign exchange to loan financing to structured portfolio products,commercial Banks are also making continuous progress in providing financial services for international trade.As an important part of international business of commercial bank credit,international trade financing business for its low risk,high profits and quick turnover,and able to promote the development of intermediary business of foreign exchange,etc by commercial bank more and more attention.At the same time,due to the financial nature of trade financing business,engaged in international trade financing business of commercial bank faces the risk of cannot be ignored,if hold bad,import and export enterprise of trade risk is likely will be passed on to the bank directly.Commercial bank as the lifeline of the national economy of international trade financing risk control and management,not only the relationship between China's import and export enterprises and the vital interests of the bank,but also to the whole country's economic resources reasonable use and the stability and development of social economy.Commercial bank as the lifeline of the national economy of international trade financing risk control and management,not only the relationship between China's import and export enterprises and the vital interests of the bank,but also to the whole country's economic resources reasonable use and the stability and development of social economy.Based on the theory of finance and management,this paper combines theory and practice,By reviewing the research results of international trade finance and commercial bank risk management,With X bank as the research object,the development status of its international trade financing business is analyzed,Based on the five elements of internal control,the paper is to explore its imperfect risk points,study the risk management problems,and finally put forward Suggestions and solutions.The specific contents are as follows: firstly,the research background and significance of the paper are introduced,and the research results of previous researches are reviewed.Secondly,the paper from the international trade financing business risk characteristics and the two aspects of commercial bank risk management related theory to comb,and the types and reasons of international trade financing risk were studied.Then,the thesis introduces in the current economic backdrop of X bank international trade financing business development present situation,and starting from the five elements of internal control to analyze the problems existing in the international trade financing risk management,on the basis of the risk analysis on its international trade financing risk management measures are put forward.Finally,the paper summarizes the text and puts forward the prospect.It is hoped that this will provide a reference for Banks to carry out international trade financing business under the precondition of risk control.