【作者】 王倩；

【导师】 李春梅；

【作者基本信息】 兰州理工大学 ， 工商管理硕士（MBA）（专业学位）， 2021， 硕士

【摘要】 在全球疫情日益严峻的形势下,我国对外贸易的发展仍然迅猛,随之带动了商业银行国际业务的迅速发展,结算量和手续费的快速增长,也带动了国际贸易融资业务的快速发展。虽然我国银行间竞争环境日趋激烈,但因国际贸易融资业务具有高流动性、收效快、收益高、风险低、集资产业务和中间业务于一体等特点,一直以来都成为各商业银行重点发展的业务,视为“黄金”业务。随着各银行国际贸易融资业务竞争日趋白热化,为了在竞争中脱颖而出,各银行不断创新国际贸易融资产品和服务,从之前的服务于单笔买卖交易,逐渐延伸至服务于整个贸易过程以及产业链的各个环节,各种业务交易和产品组合也相继问世。创新和风险总是并存的,不断推陈出新的融资产品,商业银行所面临的风险也日趋复杂化和多样化。因此,研究我国商业银行国际贸易融资业务风险管理,探讨商业银行如何在保障最大收益的情况下,有效防范和控制国际贸易融资业务风险具有现实的积极意义。本文以潍坊银行为研究对象,旨在通过对潍坊银行国际贸易融资业务风险管理体系和具体风险防范措施的分析研究,发现潍坊银行国际贸易融资业务在风险管理方面存在的问题并提出完善建议。本文首先对商业银行国际贸易融资业务的相关概念和基础理论进行了阐述,为文章的写作奠定基础,然后对潍坊银行国际贸易融资业务的发展现状进行分析。在此基础上,本文详细论述了潍坊银行国际贸易融资业务风险管理方面存在的问题和原因,其中发现存在风险识别能力不足、缺乏风险预警机制、风险评估不够科学、风险控制环节薄弱等方面的问题,并针对性地分析了其中的原因。最后,结合上述分析,提出完善建议。以期通过本文的研究,为潍坊银行国际贸易融资业务风险管理提供参考和依据。更多还原

【Abstract】 Despite the increasingly severe situation of the global epidemic,China’s foreign trade is still developing rapidly,which leads to the surge of international settlement of Chinese commercial banks and the rapid development of international trade financing business.In the increasingly fierce competition among banks,international trade financing is regarded as a "gold" business by international banks because of its characteristics such as high liquidity,low risk,quick return,high return,and integration of asset business and intermediate business,which has become the focus of commercial banks.As commercial Banks,international trade financing business competition narrowed,the commercial Banks in order to stand out in competition,international trade finance business innovation,extend from serving the single transactions to service in the whole process of trade and industry chain of each link,all kinds of business trading portfolio and product portfolio thereafter.With the development of international trade financing products,the risks of international trade financing business of commercial banks are becoming more and more diversified and complicated.Therefore,it is of realistic and positive significance to study the risk management of international trade financing business of Chinese commercial banks and discuss how commercial banks can effectively prevent and control the risks of international trade financing business under the condition of ensuring the maximum benefits.Taking Bank of Weifang as an example,this paper aims to find the existing problems in the risk management of international trade financing business of Bank of Weifang through the analysis and study of its risk management system and specific risk prevention measures,and put forward suggestions for improvement.Firstly,this paper expounds the concepts and basic theories related to the international trade financing business of commercial banks,which lays a foundation for the writing of this paper.Then,it analyzes the development status of the international trade financing business of Bank of Weifang.On this basis,this paper discusses in detail the Bank of Weifang international trade financing business risk management problems and causes,which found that the risk identification ability is insufficient,the lack of risk early warning mechanism,the risk assessment is not scientific,the risk control link is weak and other problems,and targeted analysis of the reasons.Finally,combined with the above analysis,put forward suggestions to improve.In order to provide reference and basis for Bank of Weifang international trade financing business risk management through the study of this paper.更多还原