A Commercial Bank International Trade Financing Innovation Research

International trade financing is an important part of modern commercial banking sector, the essence of which is the lending related to import and export, it is used to trade settlement the bank to the importer or the exporter, this is one of the important business of commercial bank project, and is the precondition whether commercial banks can better complete the internationalization. From the perspective of commercial bank, its yield is high, profitable, with comprehensive benefits, and it is one of the effective use of modern bank capital more ideal way. From the enterprise point of view, it can effectively solve the enterprise engaged in the import and export trade activities facing the shortage of funds, enhance the advantages in the import and export business in negotiating, and make it possible in larger scope and more large-scale development of international trade. From a national perspective, international trade financing is also part of the national trade policies, is one of the positive means of encouraging import and export, it not only can adjust the import and export structure, and to effectively participate in international economic activities,it can play a positive role in promoting. With the increasing of economic internationalization and China became a member of the WTO, China’s import and export trade has developed rapidly, while contribute to national economic growth, also has opened up a broader market for the bank trade financing business. The size of the banking in our country to carry out international trade financing business is growing stronger, grows rapidly, the major of international trade financing business procedures and products are mainly imported. Along with our country to become the first big country of international trade, International trade finance innovation is urgently needed. In recent years, many domestic commercial Banks are trying and exploring how to effectively carry out trade finance business innovation, and get a lot of achievements, but on the whole, our country commercial bank international trade finance income is still low in the overall income of the bank, while the business of some Banks abroad has more than half of the income. If our country want to really took to the road of the international trade power, rather than merely international trading powers, the only way is studying from the theory, law and practice in-depth comprehensively, puts forward scientific, convenient and workable trade finance management system and method, do International trade finance business innovation effectively, it can better support the development of our country’s import and export, and at the same time it can also help domestic commercial banks turn to the international commercial bank, this is also the purpose of this thesis.This thesis selects a state-owned holding commercial bank as an example, based on the theory of international trade financing products, make a comprehensive analysis of the status of the international trade finance business of bank A from the industry, market, products and management of multiple perspectives, and further illustrates problems and reasons of restricting its international trade financing business innovation and development, combined with their respective characteristics of the five types of international trade finance innovation product, the proposed training scheme for product innovation the feasibility of the implementation of the scheme and related personnel, and provides some international trade finance business innovation suggestions, such as increasing international trade financing product innovation, improve the relevant system of International trade financing business to reduce operation risk, and strive to improve the quality of employees.