The Study On Risk-prevention For Commercial Bank Bulk Commodity International Trade Finance

In recent years, with the accelerating pace of global economic integration and the internationalization of China, China has become the largest commodities trader in the world. As an important eastern coastal province, Shandong has achieve a rapid growth in commodities trade recently. Commodities trade financing entered into the golden period of development, bringing huge financing business and profit to the commercial banks.Domestic commercial Banks launched varieties of innovative products to meet the fierce market competition, such as the structural commodities trade finance,processing financing and etc.Since the 12 th five-year plan, with the international commodities market declined, downward pressure on the domestic economy increased, and the pace of the transformation of economic structure adjustment in Shandong province sped up, many commodities traders was confronted with serious challenges. Shandong province broke out several major commodities trade financing risk events in recent years. It can be noted that the occurrence of risk events was related to special industrial structure and the high proportion of commodity trade of Shandong.Analyzing this risk events,we can find that high-quality risk prevention and control system of commercial banks have not been established, the examination for the authenticity trade background has unqualified, the potential risks of intermediary trade and long-term use of short-term loans was failed to recognized. All of these cause credit risk, market risk and operational risk appeared.Reference for domestic and foreign relevant theory,and combining with actual cases,this paper studies the risk measurement model. At the same time, through using A bank’s risk management actual situation, the author puts the emphasis on the manifestation and causes of risk. This paper analyzes the risk prevention and control system construction, the concrete risk control measures, and how the commercial banks preventing commodity trade financing risks. This paper can provide some references to commercial banks in improving the level of risk management.