The International Trade Financing Risk Management Of Commercial Bank In China

In recent years, the rapid development of China’s rapid development of trade finance business and international trade are inextricably linked, both connected to the same fate, hand in hand. On the international trade finance had to talk about banks, this business has become one of the major business lines of the bank to create profits. But the risks and profits coexist, for banks, the most important thing is how we face the risk, control risk. As China’s economy continues to accelerate the pace of internationalization of our country in the field of foreign trade was a big development, which is China’s commercial banks to explore the development of international trade finance business in the international market. At the same time, international trade finance business risks associated follow. Therefore, China’s commercial banks to the real constraints faced by trade finance business as the basis for trade finance innovative research ideas, strategies and methods, as well as risk assessment and management innovation, China’s commercial banks to improve international trade finance business backwardness, improve business operational efficiency and innovation are of great theoretical and practical significance. Because of China’s commercial banks to carry out international trade finance business time is short, for awareness and prevention of risks associated with the ability is not strong, so when exposure to an increasingly competitive international market, China’s commercial banks on how to catch up, and actively expand international trade financing business, international trade finance to maximize the gain efficiency, while also effectively prevent and control the risks of international trade financing, which became the country’s commercial banks are deeply concerned about the topic.In this paper, China’s commercial banks in international trade finance business risk assessment and regulatory system as the research object, through the international trade finance business and risks related presentations, as well as international trade finance business in Western developed countries learn from the advanced experience of commercial banks to explore the country commercial Bank International trade finance business risk form factors, some of the major issues for China’s commercial banks in trade finance operations currently exist, analyze the risks of international trade finance products; proposed effective way to strengthen our trade finance business risk management of commercial banks and international; Finally, the Chinese commercial banks should establish and improve China’s commercial banks’internal control management system, establish the organizational structure to effectively prevent the risk of international trade finance business, improve our international trade finance business-related laws and regulations, and constantly improve the quality of financing business executives, so that China’s commercial banks to international trade finance business risk prevention awareness and capacity can be improved.