商业银行国际贸易融资业务操作风险管理研究

发布时间：2018-06-16 22:44

本文选题：商业银行 + 国际贸易融资　；参考：《山东大学》2012年硕士论文

【摘要】：随着我国国际贸易的快速发展,商业银行国际贸易融资业务取得了长足发展,商业银行对国际贸易融资业务的重视程度也日益提高,并将其作为重点发展的项金融业务。伴随着商业银行国际贸易融资业务的发展,商业银行对该业务的风险控制意识和能力日益提升。由于受到传统银行融资业务管理理念的影响,商业银行对于国际贸易融资业务的风险控制往往关注于信用风险和市场风险,对操作风险涉及不多。不过,商业银行国际贸易融资业务日趋复杂化和专业化,并且伴随国际贸易特别是人民币跨境贸易的不断扩大,业务创新也日趋快速和丰富；同时,国际贸易融资业务具有区别于商业银行其他融资业务的特有优势,在现阶段银行信贷收紧的局面下,更容易受到不发分子的注意；加上监管要求日益严格,商业银行国际贸易融资业务面临的操作风险水平日益提高。因此如果不能有效的控制国际贸易融资业务操作风险,商业银行有可能遭受巨额损失。本文从商业银行风险管理理论出发,在参考国内外理论文献的基础上,介绍了商业银行操作风险和国际贸易融资业务的基本内容,简单分析了该业务面临的信用风险、市场风险和操作风险；通过对操作风险管理在国际贸易融资业务风险管理中重要地位的论证,阐明商业银行发展国际贸易融资业务过程中重视操作风险管理的必要性；从商业银行内部和外部两个层面出发,针对国际贸易融资业务流程中的各个风险控制环节,列举了国际贸易融资业务操作风险主要表现形式；在对现阶段商业银行国际贸易融资业务操作风险管理存在的主要问题,操作风险成因进行论述的基础上,从风险文化、信贷管理模式、组织结构、业务流程、人员、管理技术和方法等方面提出完善国际贸易融资业务操作风险管理的对策,以期为我国的商业银行国际贸易融资业务健康发展提供帮助。
[Abstract]:With the rapid development of international trade in our country, the international trade financing business of commercial banks has made great progress, and the commercial banks pay more and more attention to the international trade financing business, and regard it as the key item of financial business development. With the development of international trade financing business of commercial banks, the risk control consciousness and ability of commercial banks are increasing day by day. Because of the influence of the traditional bank financing business management concept, the commercial banks' risk control for the international trade financing business is usually focused on the credit risk and market risk, but not much on the operational risk. However, the international trade financing business of commercial banks is becoming more and more complicated and specialized, and with the continuous expansion of international trade, especially the cross-border trade of RMB, business innovation is becoming more and more rapid and rich; at the same time, The international trade financing business has the unique advantage of differentiating itself from other financing businesses of commercial banks. At this stage, banks are more vulnerable to credit tightening, and they are more vulnerable to the attention of unpublished people. In addition, the regulatory requirements are becoming increasingly stringent. The level of operational risk faced by commercial banks in international trade financing is increasing day by day. Therefore, if the operational risk of international trade financing can not be effectively controlled, commercial banks may suffer huge losses. Based on the theory of commercial bank risk management and referring to the domestic and foreign theoretical literature, this paper introduces the basic contents of commercial bank operational risk and international trade financing business, and briefly analyzes the credit risk faced by the business. Through the demonstration of the important position of operational risk management in international trade financing business risk management, the necessity of commercial banks to attach importance to operational risk management in the process of developing international trade financing business is expounded. Based on the internal and external aspects of commercial banks, this paper enumerates the main forms of operational risks of international trade financing business in view of each risk control link in the business process of international trade finance. On the basis of discussing the main problems and causes of operational risk management in the international trade financing business of commercial banks at this stage, from the risk culture, credit management model, organization structure, business process, personnel, In the aspects of management techniques and methods, the author puts forward some countermeasures to improve the operational risk management of international trade financing, in order to provide help for the healthy development of international trade financing business of commercial banks in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】