Chongqing Bank International Trade Finance Business Is The Development Of Countermeasures

In recent years, China is experiencing a sustained and rapid economic growth. With an expanding inflow of foreign capital and the constantly readjusting foreign exchange regulatory policy, import and export trade has played a pivotal role in China's economic development. The import and export enterprises are facing new development space and have provided a good opportunity for commercial banks to engage in trade financing business. Meanwhile, according to the "capital adequacy ratio of commercial banks management practices", the conversion factor of the trade-related liabilities, or the short-term credit was only 20%, which is far below the ordinary business loans of 100%. But the consolidated income brought to the commercial banks by the 20% of risk assets trade financing business is enormous.However, the bank's understanding of the trade financing business is not in place. They have a one-sided view that the trade financing business is rather trivial, has complicated procedures,and can't improve operational performance connection evidently. So,they are not willing to treat the trade financing business the same as a deposit and loan business, or even marginalized and impede the normal development of the trade financing business, which mainly presidented as the single product, the inadequate product development financing target concentration, lack of customer education, business process complexity, high processing efficiency, unaccessbility and high thresholds, and Credit income scale,so it is difficult for enterprises to provide financing arrives (qualitative), the grantor of several aspects.) There are some of the bank branch leaders' "heavy currency, foreign currency light" thinking of the business inside, and also some deep-seated causes including the bank's objective of the strategy, economic capital measurement method, the internal examination system, and marketing model and so forth..According to the theory and practical experience absorbed from the authors at home and abroad and the combination of the statistical analysis and qualitative analysis,I would like to make the following five aspects of development measures towards the international trade financing business of the bank. Firstly, we must maintain the strategic position of foreign exchange business so that it can not be shaken, and for the management, we should implement the foreign exchange business effectively as a strategic business development initiatives. Secondly, increasing the foreign exchange business resources by strengthening the construction of the customer managers, speeding up the electronical construction and international business assessment of the weight increase in the allocation of resources and efforts. Again, the integration of foreign currency management model building is a gradual process At present, in accordance with the "pro-business development, to focus on management is conducive to risk prevention" principle, the stability and integrity of international business organizations is crucial. Fourthly, international trade financing has the basic characteristics of small amount, short duration and low-risk, we should establish an independent international trade financing business risk management system. Finally, we need to update our ideas,innovate actively, and rich international trade finance products.