The Research On G Bank International Trade Financing Risk Management

With the development of the world economy integration, the competition of international trade has become more and more fierce. As trade financing demand from enterprises get more urgent, the bank's international trade finance business is also developing rapidly. Therefore, the bank's international trade financing business is also facing greater opportunities and challenges. From the point of view of risk management, foreign countries have developed for a long history, but the international trade financing business of domestic banks still faces many problems.International trade financing is very important business in G bank.This business can provide short-term financing for the import and export enterprises, release the fund pressure of the corporate, and also make considerable interest income and intermediate income to G bank. In recent years, as the global economic goes down, a large amount of the international trade financing become bad loans. On one hand, it is the cause of the macroeconomic environment, on the other hand, it also manifests that G bank did not pay enough attention on the risk management of international trade financing business. Therefore, this paper analyzes the current situation of G bank's international trade financing risk management, and suggests that G bank should pay attention to the business development, and strengthens the international trade financing business risk management, at the same time; make strict control of asset quality. It has very important practical significance to promote the healthy development of the international trade financing business of G bank, and can provide reference for other bank's international trade financing business, which has certain theoretical significance.This paper is divided into four chapters. The first chapter is the introduction, which mainly introduces the background and significance of this research, and gives a brief introduction and analysis of the domestic and foreign research situation, and introduces the framework of this paper. The second chapter summarizes the current situation of G bank's international trade financing risk management, and puts forward the main problems in the current trade financing risk management. In the third chapter, according to the problem, the paper analysis the specific business problems from the internal and external situation and give cases of credit risk and operational. On the basis of the analysis of the fourth chapter, the paper puts forward suggestions to solve the problems from four aspects:perfecting risk management system, reducing the credit risk and the operational risk, strengthening the after-financing management. This paper mainly through the qualitative analysis and case analysis method to analysis the G bank international trade financing business risk management, and suggest the G bank should have a comprehensive understanding of enterprise financing business. At the same time, the bank should establish the early warning signals to determine the enterprise risk level, and take the next step, and can effectively reduce business risk, which for the control of G bank international trade financing business risk has practical significance.