Research On The Risk Management Of Trade Financing And Goods Charge Credit Business In Commercial Banks

In recent years, as a kind of practical and innovative ifnancial product, trade ifnancingand goods charge credit business uses the credit mode of warehouse logistics enterprises，which are on behalf of the bank, supervising the borrower or the third part’ys stock, while thebank conducting import and export trade ifnancing for the borrower. By this way, we solvethe export-oriented enterprises，ifnancing problems, including being hard to decide the surety?being short of estate as security, which is in the good graces of business and ifnancialcommunity. However, as the ifnancial innovative produce, it is short of risk identiifcation andprecautionary measure. While getting its positive effect and signiifcant beneifts, its potentialoperation risk exist. The development practice of trade ifnancing and goods charge creditbusiness needs to identify and keep away from its risks in the operation process, which canprovide useful guidance and reference for the practice development of this field. In view ofthis, based on the study of the present situation of the comprehensive review, this thesisanalyzes the risk of trade ifnancing and goods charge credit business, explores the risk points,and makes cases analysis. The main work and achievements are as follows:(1)The basic theory of trade ifnancing and goods charge credit business is introducedcomprehensively. The business is participated by the pledger (borrower), warehousesupervision party and the pawnee (bank). The bank entrust the supervision party to supervisethe pledged goods，control the logistics and capital lfow, and take this to enterprises forifnancing credit varieties. According to the difference of the time for bank to obtain pledgegoods，or cargo supervision mode，we can divide it into different operation modes.(2)The thesis analyzes the risks of trade ifnancing and goods charge credit business.The analysis of business and operational risk exists in the pledge, the third party supervisionenterprises and the funding bank. Such as the risks from the pledge itself， the establishment of legal validity of pledge, legal validity of pledge, the guarantee of the pledge to the lien’svalue, hostage for cash and etc; the risks from supervision, business operation; and the risksfrom borrower’s credit and the banks’ operation.(3) The thesis analyzes the risk prevention points of trade financing and goods chargecredit business. We can evade the market risks of the pledge by pricing and hedging; ensurethe property of the pledge clear by strengthening the credit research and clear-cutting theresponsibility of the supervision party; set access standards and assessment mechanism,strengthen the supervision, prevent the credit and operational risk; establish and strictlyimplement the operation process, and prevent the bank’s operational risk.(4) This thesis analyzes the typical case. Taking the trade financing and goods chargecredit business dispute happened among Bank A，YL International Trade Co. Led. in BondedArea, and Qingdao Zhongwaiyun International Logistics Co. Led. for example, the thesisanalyzes the legal risk of the supervision of goods, the supervision party and the operation ofthe bank. Through the analysis of typical cases, the thesis verifies the existence and harm ofrelated business, and further clarifies the significance of research on risk management.