Study On Trade Finance Innovation Of Commercial Banks

Trade finance is a kind of financing or credit facility provided by banks to importers and exporters concerning import and export settlement Because of its high profitability, low risks and capital efficiency,trade finance is becoming one of the important operations that commercial banks contend to expand. While the financinal innovation rose in 1970s, banks also innovated trade finance by creating and other means. Commercial banks recognized gradually that innovation is foremost in developing trade finance. In recent years .Chinese trade developed rapidly and Chinese commercial banks are in face of opportunity of expanding trade finance. When the international banks with global network and abundant experience in trade finance were flooding into China, Chinese commercial banks are also in face of challenge. This article is down searching in this realistic background learning the trade finance innovation of commercial banks. It comprehensively introduced the basic concepts, characteristic and the status of trade finance in commercial banks, and explained the essential and means of the trade finance innovation. It also analyzed the main contents and influencing factors of trade finance innovation. It also studied one case of China Construction Bank Shandong branch in trade finance innovation. In the end, to make the research more practical and pertinent, this article analyzed the problems that Chinese commercial banks faced in trade finance and attempting to give suggestions that Chinese commercial banks should adopt in trade finance innovation.The full text altogether divides five parts. First part Introduction. This part mainly summarizes the selecting topic contents, the background and the significance, the present situation, the goal, the technique and the conclusion of the research and so on. Second part: Outline of trade finance and innovation. which analyzed the concept ,the characteristic and the status of the trade finance in commercial banks and the essential, means of the trade finance innovation. Third part, main contents and influencing factors of trade finance innovation. Forth part, Case study of CCB's trade finance innovation. Fifth pary, Problems of Chinese commercial banks' Trade finance and Innovation Suggestion.