A Study On The Risk Control Of The Short Term International Trade Financing Products Of XY Bank

With the lifting of the economic status of our country in the international, the enterprises in international trade behavior showed significant increase trend, in the face of more complicated and changeable international market than those of the domestic market, enterprises of our country demand for trade financing product grows day by day. And the financing cost is low, the short term, the variety is rich, the wide application scope of the short term international trade financing product for many years has been the bank customer’s widespread attention.With the continuous rise of short-term international trade financing products, banks are also faced with increasing risk. Especially the 2014 Qingdao port financing risk events, including ICBC, Bank of China, up to 18 banks involved, amount of losses of up to 160 billion yuan, affecting is very bad. Among them, the XY bank also has some customers involved in which, by the event, XY bank’s trade finance business volume growth has also been a significant decline. And because of the influence of the incident, the XY bank has a certain amount of customers.Because someone’s business relationship or transaction relationship with, it is difficult to implement the credit approval, financing amount plummeted, it not only affects the XY bank business development, the development of local and international business also be blocked.Therefore, this article is mainly to short-term international trade financing products of research, a comprehensive analysis of the risk of the classification, influence and causes, depth analysis of the problem of the key and difficult point by to existing XY bank risk control methods of analysis, it is concluded that the need to improve the necessity, and from the train of thought of management system and the operation procedures, the paper puts forward to explore the countermeasure research. First, XY bank short-term international trade financing product risk control mode and provides a reference, enhance the XY bank’s international trade financing business development speed and quality; second, to provide a beneficial exploration in view of the current our country banking industry international trade financing business risk frequent problems; third, to further improve the bank’s International trade financing business management mode, is conducive to the improvement of the existing risk prevention mechanism, improve the operational efficiency of banks, so as to promote the rapid and healthy development of the international business.The research contents of this paper are concentrated for XY bank short-term international trade financing product risk control analysis and Study on the situation of elaborated, at first through the use the product development, and the current risk status in and analyze the risk classification, effect and possible causes. Secondly, detailed analysis of the XY bank the risk control, one by one analysis of current commonly used means of risk control, and the effect analysis. Analysis the drawbacks, and the necessity of improving risk control is obtained. Then, into the focus of this paper, namely XY short-term bank financing products of international trade risk control to improve, and through the above section for banks to use the means of risk control analysis, on the basis of reviewing the theory of that bank in order to better control of short-term trade financing product risk, it should be according to the type of risk of specific improvement measures are put forward, and analyze the advantages. Meanwhile, for the XY banks own characteristics, offer the unique measures to improve risk.