摘 要

在經(jīng)濟全球化和銀行同業(yè)競爭日益激烈的今天，國際貿(mào)易融資方式已在世界范圍內(nèi)被廣泛應(yīng)用。而我國該項業(yè)務(wù)起步較晚，發(fā)展水平也遠遠落后于歐美發(fā)達國家。管理粗放、風險意識薄弱、授信額度不統(tǒng)一等問題為銀行帶來了巨大的融資風險，也嚴重制約了我國國際貿(mào)易的發(fā)展。因此探索防范國際貿(mào)易融資風險的對策已迫在眉睫。
首先介紹了國際貿(mào)易融資的相關(guān)理論，包括國際貿(mào)易融資的概念、特點、方式及其在銀行業(yè)務(wù)中的重要地位。然后結(jié)合中國銀行xx市分行國際貿(mào)易融資業(yè)務(wù)的發(fā)展現(xiàn)狀，對國際貿(mào)易融資風險的內(nèi)外成因進行了細致的剖析，并提出了防范風險的幾點建議。

關(guān)鍵詞 商業(yè)銀行 國際貿(mào)易融資 風險

Abstract

With the economic globalization and the increasingly intense competition among banks today, the international trade financing has widely been applied day by day in the worldwide range. But this service in our country starts lately, the level of development also by far falls behind the European and American developed countries, characterized by the rough management, weak risk consciousness and not identical credit lines. All these questions have brought the huge financing risks to the banks and also have seriously restricted international trade development of our country. Therefore, to explore countermeasures against risks in the international trade financing seems extremely urgent.
This article firstly introduced the concerned theories, including concept, characteristics, ways of international trade financing and its important status in bank services. Then carried on the careful analysis to the international trade financing risks inside and outside in light of the present development situation about international trade financing service in Jincheng Branch of the Bank of China. Finally, proposed several suggestions against these risks.

Key words commercial bank international trade financing risk

目 錄
摘要...............................................................................................................I
Abstract…………………...................................................................................II

第1章 緒論.................................................................................................1
1.1研究背景................................................................................................1
1.2研究目的及意義....................................................................................2
1.2.1研究目的 .........2
1.2.2研究意義 3
1.3國內(nèi)外研究現(xiàn)狀....................................................................................3
1.3.1國外研究現(xiàn)狀 3
1.3.2國內(nèi)研究現(xiàn)狀 4
1.4 研究方法與論文結(jié)構(gòu)..........................................................................5
1.4.1 研究方法 5
1.4.2 論文結(jié)構(gòu) ..6
第2章 國際貿(mào)易融資相關(guān)理論..................................................................7
2.1國際貿(mào)易融資理論.................................................................................7
2.2 商業(yè)銀行國際貿(mào)易融資風險管理理論...............................................9
2.2.1風險管理的起源及其發(fā)展 10
2.2.2巴塞爾資本協(xié)議與商業(yè)銀行風險管理 .......................................10
2.3 商業(yè)銀行國際貿(mào)易融資風險管理現(xiàn)狀...............................................11
第3章 中國銀行XX分行國際貿(mào)易融資現(xiàn)狀與存在的問題分析...........13
3.1 中國銀行XX市分行國際貿(mào)易融資現(xiàn)狀...........................................13
3.1.1 中國銀行xx市分行概況 13
3.1.2中國銀行xx分行開展國際貿(mào)易融資業(yè)務(wù)的現(xiàn)狀 ………14
3.2 中國銀行XX分行國際貿(mào)易融資可能存在的風險.............................18
3.3中行XX分行貿(mào)易融資風險的成因分析..............................................20
3.3.1外部原因分析 21
3.3.2內(nèi)部原因分析 .....….22
第4章 中國銀行XX市分行國際貿(mào)易融資對策......................................26
4.1增強融資業(yè)務(wù)管理人員風險防范意識 26
4.2加強從業(yè)人員的培訓(xùn) 26
4.3 規(guī)范各項操作和管理制度 27
4.4建立切實可行的授信客戶準入標準 27
4.5 建立事后監(jiān)督及分析考核制度 28
4.6 完善國際貿(mào)易融資相關(guān)的法律制度 28

結(jié)束語..........................................................................................................29
致謝..............................................................................................................30
參考文獻.......................................................................................................31
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