Trade Financing Problems And Countermeasures Of Industrial And Commercial Bank Of China H Branch

Under the current situation of obvious slowdown in economic growth,how to control the risk and profitability of international trade financing operation of commercial banks has become increasingly prominent.Since the second half of 2017,the amount of non-performing loans in international trade financing business has increased by a large margin.How to deal with the relationship between credit policy and the actual demand of real economic development is particularly important.To control the tightening degree of international trade financing business scale,under the circumstance of not affecting the demand of real economy and trade financing,needs to combine risk prevention and control with the actual business development.The combination of the both is conducive to the timely adaptation of commercial banks to the new changes in the current domestic and foreign economic development market environment,which is of great significance for the steady and healthy development of trade financing business.Based on the detailed analysis of the development of international trade financing business of H branch of ICBC in recent three years,this paper discusses how to take corresponding measures and how to establish a perfect risk prevention and control system under the current economic situation at home and abroad,especially under the situation that the current U.S.policy towards China and the growth trend of international trade are obviously slowing down.And through the analysis,to improve the service level of international trade financing business of H branch of ICBC,it is necessary to continue to adhere to the general tone of seeking progress in stability,adhere to the market-oriented,and strengthen product innovation.In view of the problems in various aspects of trade financing of H branch of ICBC,it is necessary to strengthen the system construction,improve risk management,innovate new products,and train a comprehensive team of international trade financing talents,so as to realize the healthy and steady development of international trade financing business of H branch of ICBC,which also provides valuable opinions andsuggestions for the transformation and development of commercial bank’s trade finance business.