Study Of A Number Of Issues Of International Trade Financing Of Commercial Banks

Currently , commercial bank have been experienced the change which from traditional business mode to the more rely on the intermediate business, The international trade finance has attracted many attentions of the banks since it has distinct advantages—high profitability, low risks, and low requirements for capital.With the development of international trade, we can see an increasingly closer relationship between international trade and banks. The development of international trade demanded the growth of financing.Nowadays, capital shortage has been the "bottleneck" of foreign trade enterprises' development especially for those of small or medium size in china, and being incapable of getting financing has been the block in their development all along.Through the application of financing products, can help improve the corporate finance, avoid the risk of foreign currency exchange rate. The diversification of the finance mode and the financing from banks enlarged the enterprises' scale, therefore stimulated international trade.The article aims to analyze and compare the characteristics of different international trade financing modes, and to help foreign trade enterprises chose appropriate trade financing modes in order to break through the predicament of lack of capital.In Chapter 1, the author introduces the necessary of the international trade financing development and analyzes the essentiality of international trade financing to commercial bank.In Chapter 2, the author introduces The modes of export trade financing and import trade financing are expounded separately. The export trade financingincludes Loan and Overdraft, Packing Loan, Outward Bill Purchased, Export Discount, etc. And import trade financing includes Limits of Letter for Credit, Inward Bill Purchased, Delivery against Bank Guarantee, etc. Forfeiting and Factoring are also expatiated in this part as the latest developed modes in China.In Chapter 3 the author lists most kinds of risks that banks and enterprises might encounter in international trade financing, and gives principles and measures of risk management.In Chapter 4, the article discusses how to prevent the risks of international trade financing mainly from the point of view of enterprises.Based on the previous research, the author tries to put forward some opinions of her own, in order to give some suggestion to commercial bank international trade financing.