Risk Identification And Countermeasures Of Bank S’s International Trade Financing Business

The economy of Dalian’s international trade industry has developed very rapidly.Most of the international trade enterprises are small and micro enterprises,and their ability to resist risks such as trade barriers is relatively weak.In order to expand the target market,some small and micro enterprises need to open stores on cross-border e-commerce platforms,strengthen brand building and International marketing activities,which requires a lot of capital resources in the process.The international trade financing business of various commercial banks is a business that provides financing support for enterprises,especially small and micro enterprises,to carry out international trade activities.Compared to traditional small and micro enterprise credit business,the international trade financing business has stronger special support capabilities for trade enterprises,and will also be accompanied by ancillary services to fully support the development of international trade enterprises.S Bank closely follows the development characteristics of Dalian’s export-oriented economy,vigorously develops international trade financing business,adjusts the structure of international trade financing business,strengthens marketing,and enhances the market influence of international trade financing business.On the basis of the remarkable achievements in the development of international trade financing business,the risk control work of international trade financing business has exposed some shortcomings,such as an increase in non-performing loan ratio and a deterioration in non-performing asset structure,which have hindered the continuous progress and development of S Bank’s international trade financing business.S Bank needs to timely identify,analyze,and evaluate the risks of international trade financing business,and develop scientific measures to address the risks of international trade financing business based on the causes.The research content of this article is as follows:(1)Analyze the risks of S Bank’s international trade financing business and sort out the risks faced by S Bank’s international trade financing business.(2)Analyzing the causes of risks in international trade financing business,it was found that the main reasons for the risks in international trade financing business are the single disclosure of risk information,the lack of specific risk management assessment work,the lack of objectivity in risk assessment,the lack of a dedicated risk management organizational structure,and the poor effectiveness of risk management system constraints.(3)Based on the specific needs of S Bank’s international trade financing business risk control,this article proposes risk response measures for S Bank’s international trade financing business from multiple perspectives.Including actively regulating the content of risk disclosure and expanding risk disclosure channels;Refine risk management assessment indicators and establish differentiated incentive mechanisms;Develop a risk identification checklist and involve all personnel in risk assessment;Improve the risk organizational structure and clearly define risk management responsibilities;Strengthen the establishment of risk management systems and comprehensively disclose the provisions of risk systems;Optimize credit approval work.The results indicate that the research results of this article can effectively improve the risk control level of S Bank’s international trade financing business,and enable S Bank’s international trade financing business to continue and develop healthily.