商业银行国际贸易融资业务发展及创新研究

发布时间：2018-03-29 18:43

本文选题：商业银行　切入点：国际贸易融资　出处：《山东大学》2014年硕士论文

【摘要】：在商业银行逐步转变经营和盈利模式的渐进改革过程中,在商业银行逐步开放并同世界经济接轨的过程中,在商业银行由重视利差收入到着眼于中间业务收入的转变过程中,国际贸易融资因其自身具备的优越性已经成为商业银行竞争和发展中的新的业务突破点和利润增长点。从银行的角度讲,商业银行发展贸易融资是市场竞争的需要,是促进银行从传统业务经营向现代经营模式转轨的助推器；从企业发展来看,新的经济环境和背景下,企业对贸易融资需求日趋显现,而传统的贸易融资产品和方式已经远远不能满足企业的经营发展需要,企业迫切需要新的融资产品来满足其发展需求。本文首先通过对贸易融资理论的国内外研究介绍了贸易融资自偿性、融资期限短、流动性强等特点,介绍了贸易融资的主要类型,比较分析了不同类型国际贸易融资的含义、应用状况及优缺点。其次,对贸易融资的效应尤其是对商业银行的影响做了重点介绍,并对影响贸易融资发展和创新的因素进行了分析和研究。在此基础上探讨了我国商业银行目前国际贸易融资的现状及存在的问题,并进一步研究了商业银行贸易融资及创新的思路；同时强调了强化风险管理的重要性,提出大力发展结构性融资及利用衍生工具规避风险并促进贸易融资发展的建议。本文通过对贸易融资及创新理论的研究,探索商业银行进行贸易融资创新的思路方法,通过一系列融资创新产品的分析进一步阐明在当今经济背景下进行融资产品创新的现实意义和对商业银行业务发展的巨大推进作用,并试图通过本论文的编写能给商业银行的融资创新提供一点有益借鉴。
[Abstract]:In the process of gradual reform of commercial banks' gradual transformation of operation and profit model, in the process of commercial banks' opening up gradually and in line with the world economy, and in the process of commercial banks' changing from paying attention to interest margin income to focusing on intermediate business income, Because of its advantages, international trade financing has become a new breakthrough point and profit growth point in the competition and development of commercial banks. From the perspective of banks, the development of trade financing by commercial banks is the need of market competition. It is a booster to promote the transition of banks from traditional business operations to modern business models. From the point of view of the development of enterprises, under the new economic environment and background, the demand for trade financing by enterprises is becoming increasingly apparent. However, the traditional trade financing products and methods can not meet the needs of enterprises' management and development, and enterprises urgently need new financing products to meet their development needs. First of all, this paper introduces the characteristics of trade financing, such as self-compensation, short term and strong liquidity, and introduces the main types of trade financing, and compares and analyzes the meaning of different types of international trade financing. Secondly, the effects of trade finance, especially on commercial banks, are introduced. On the basis of the analysis and research on the factors influencing the development and innovation of trade finance, the paper discusses the current situation and existing problems of international trade financing in China's commercial banks. At the same time, it emphasizes the importance of strengthening risk management, and puts forward some suggestions on how to develop structured finance and how to use derivatives to avoid risks and promote the development of trade finance. Based on the research of trade finance and innovation theory, this paper explores the thinking and methods of commercial banks' trade finance innovation. Through the analysis of a series of innovative financing products, the paper further clarifies the practical significance of financing product innovation in the current economic background and its great role in promoting the business development of commercial banks. And try to provide some useful reference for commercial bank financing innovation through the writing of this paper.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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