China's Policy Banks Credit Business Of Import And Export And Risk Control Mechanism Research

In this paper, the corporate credit business processes based on the provisions of Law and other regulations, the practical case from The Export-Import Bank of China’s financing.The CBRC "three ways a guideline" is the guid of the loan application and due diligence, credit risk assessment,loan approval,loan management and other aspects.The Purpose of the paper is to reveal internal and external risk points, propose risk control measures and mechanisms to resolve the probiem against the risk from import and export settlement, ability to import and export performance, import and export country, the settlement rate and other factors.Theoretical and empirical research were uesd in this paper. Through research and analysis,the formation of the following conclusions:First, China’s economic development has made great achievements. As the import and export trading power, China’s development is uneven. The bank’s import and export credit also play a significant role. China’s development process requires a lot of advanced equipment, technology, which need to be imported from abroad.The banks also gives the necessary support. Therefore, studying the import and export credit finance for the economy is very important.Second, CBRC issued the "three ways, a guide" to strengthen the entire loan process management.Meanwhile,the banking financial institutions should to promote the management of the transformation of traditional lending, banking financial institutions should to enhance the refinement of credit assets management.The process of bank credit include acceptance and investigation, risk assessment and approval, contract signing, payment management, post-loan management and so on. Further strengthen the loan through the whole process is scientific.Third, for banks, the risk can not be completely avoided, but manageable.In the process of handling import and export credit business, the bank should consider the traditional operational risk, the borrower’s own credit risk and industry risk,and should also pay special attention to the import export business customers country, collection methods and exchange rate risks.The paper made valuable suggestions to reduce future risk for credit. So, about the country risk, collection methods and exchange rate risk and other aspects of credit,advance risk control mechanism can be used. Providing access of risk factor will help customers to protect business risk,which also help bank take effective management to control bank credit risk. The process of controling payment risk can be regarded as the process control mechanism.Banks can reduce the risk probability of occurrence, try to improve the quality of bank credit by establishing effective risk monitoring and control mechanisms.