| The continuous development of the global economy has accelerated the cooperation between Chinese and Foreign enterprises and driven the continuous development of China’s foreign trade.China’s commercial banks have also seized this historical opportunity,and the trade financing has enter a new development period.However,opportunities and risks coexist.The development of trade financing projects of China’s commercial banks is not smooth.In the final analysis,China’s commercial banks lack the overall risk management of the whole trade financing project.This thesis takes Shandong Branch of bank B as the research object,through the risk identification and analysis of the bank’s trade financing project,puts forward improvement measures to improve the quality and efficiency of risk management.At first,this thesis demonstrates the background information of this research,and conveys the significance,and lays a theoretical foundation for the follow-up research by introducing the relevant theoretical knowledge of project risk management.Combined with the whole process management of trade financing projects,a progressive research strategy including risk identification,risk analysis and risk response is formulated.Firstly,combined with the actual project experience,referring to the research and reviews of scholars all over the world,and further revised through expert interviews,this thesis determines the evaluation index system composed of 5 primary risk factors and 15 secondary risk factors;Through the DEMATEL model to calculate the degree of interaction between various risk factors to determine whether there is a certain risk correlation,it is concluded that market risk,country risk and sanctions risk are the cause factors,and credit risk and operational risk are the result factors.Using the principle of AHP analytic hierarchy process,the weight of each risk factor index is calculated,and it is concluded that the impact of sanctions is the highest in the primary risk index and the risk of anti-money laundering sanctions is the highest in the secondary risk index.Finally,through the comprehensive analysis of the fuzzy comprehensive evaluation method combined with the index weight of various risk factors,it is calculated that the risk level of the trade financing project of B bank Shandong Branch is middle and high risk.Among the five first-class risk indicators,sanctions risk and market risk are medium and high risk factors,and in the second-class risk indicators,anti-money laundering sanctions and malicious fraud are high risk factors.After thorough research of the causes,targeted countermeasures are put forward.The evaluation score of each risk factor will help B bank find out the potential risks more accurately in the trade financing projects,take corresponding measures to deal with them,and continuously improve the steady development of B bank’s trade financing projects. |
