Research On Credit Risk Management Of International Tarde Financing Business Of IC Bank

The international trade finance business is relatively late in China and has less experience than foreign countries,especially in the area ofrisk management,especially effective preventive measures.With the continuous expansionof international trade financing business,the dishonest behavior in international trade financing is increasing,and the lack of a systematic scientific risk management system will inevitably bring huge losses to banks.Based on this,based on the full collection of relevant research literature at home and abroad,this paper deeply analyzes and summarizes the research ideas,methods and results of domestic and foreign scholars on this issue.IC Bank was selected as a case study to understand the actual development of IC Bank,comprehensively grasp the current situation of credit risk management of the bank’s international trade financing business,and further analyze the problems in the field of risk management in this field.Based on the problems in bank management,the article focuses on the internal and external causes of these problems,and finally combines theory with practice.On the basis of practice,it puts forward the optimization opinions of credit risk management of commercial banks’ international trade financing business.On the one hand,the results of this research will help enhance the risk management and control capabilities of IC Bank’s international trade financing business,and improve the management level of IC Bank’s overall business team.On the other hand,it will help optimize the risk management structure of IC Bank’s international trade financing business,through in-depth analysis and understanding of business.The capital needs of banks for international trade,adjusting the composition of IC bank customers,no longer rely solely on some large customers,thus achieving the effect of diversifying business risks,creating a new profit model for IC Bank.In addition,it has also played an important role in the risk management and control of other commercial banks in China.