Research On The Development Of Entrusting Loan In Foreign Exchange In Commercial Bank

In promoting the development of national economy, entrusting loan in foreign exchange business is playing more and more important role.as a kind of important form in ntilizing foreign capital. It not only alleviates the problem of insufficient funds in the local economic construction on certain level, through the introduction of advanced machinery and equipment, but also promotes the development of enterprises, through improving the equipment level, accelerating the pace of technological transformation. At the same time, as capital source of long-term foreign exchange of Chinese commercial banks, entrusting loan in foreign exchange business is playing a decisive role. It can ensure the source of foreign exchange and using funds perfectly matched in the currency, amount, time limit conditions, thus it can realize the intermediate business income and completely avoid the mismatch risk in terms and conditions. For the commercial banks, entrusting loan in foreign exchange is a new business, in recent years, the Ministry of finance to vigorously promote the loan business, at the same time, the business shows clear ascendant trend in the commercial banks, but in specific practice in every aspect of the operation, practitioners clearly felt the lack of theoretical guidance on the loan business marketing and the risk control, it is urgent to carry out such research, help a commercial bank operate loan business reasonably, to help enterprises make full use of lending funds, achieving a win-win objective.This thesis first discusses the entrusting loan in foreign exchange business current situation from development course, fund-raising, important changes, business process and characteristics and its operation mechanism are summarized. Then it analyzes the problems of entrusting loan in foreign exchange business, including:System construction is lagging behind the development, structural imbalance, lack the necessary marketing; some project unit" Loan easy repayment difficult misconception; part of the project units owe the principal and interest seriously, increase the reloan bank bad assets; entrusting loan in foreign exchange business management needs to be further strengthened; external debt risk prevention consciousness is thin, lack of risk means; professional talent shortage. China Construction Bank carried out the business since1987, relying on infrastructure advantages, getting rapid growth in business. And the business is stable in second in the industry and the first in commercial banks. Throughout the process, it can be summed up the following experience:Strengthen sale, perfect credit mechanism to reduce non-performing assets, strengthen foreign exchange loan management and pay attention to the training of professionals. Combined with China Construction Bank experience, based on the foundation of our country national condition,we put forward proposals to perfect entrusting loan in foreign exchange business in Chinese commercial banks, it including:Strengthening marketing reform of entrusting loan in foreign exchange business, strengthening meticulous management before the debt strengthening debt management, establishing mechanism of repayment of debt, strengthening the management reform of entrusting loan in foreign exchange business, strengthening business risk control, training financial talent, raising the risk consciousness.As a result of entrusting loan in foreign exchange has followed the national industrial development policies, does not occupy the commercial bank capital, income deadline is longer, business risk is relatively lesser, gains reflected as intermediate business income and a series of advantages, in recent years, the commercial banks regard entrusting loan in foreign exchange as an important strategic service in the development of foreign exchange business. But the business still has many problems currently in the development process. Commercial banks need to combine with practice, combine with the market and combine with Chinese and foreign, developing the business by more delicate and more scientific theory. This thesis selects the development of entrusting loan in foreign exchange business as the theme. Elaborating and analyzing the problems existing in the present stage from the angle of work practice and putting forward some corresponding countermeasures and suggestions. We hope it can play a certain positive effects on the rapid development of entrusting loan in foreign exchange business and make a modest contribution to the economic development of China.