Research On Credit Risk Management Of Rizhao X Bank's Trade Credit Business

The trade finance business is a kind of credit business which is run by the bank.It has the advantages of short duration and flexible operation.The trade finance itself is characterized by authenticity and self-compensation.It is widely used by exporters and exporters in the process of trade settlement and solved the capital turnover Problem,while the bank has brought a lot of income.With the growth of China's import and export volume,vigorously carry out trade finance is a bank-enterprise "win-win" model for trade finance to create a good resource and market environment in line with economic development requirements,but trade finance development Many banks in the focus on the risk while ignoring the risk prevention and control,in recent years,trade finance risk events in the exposure of credit risk is particularly serious.China's trade finance credit risk management started late,commercial banks in the short term design financing products to meet the various needs of trade enterprises,its management experience is also more lacking.Trade finance risk management means backward,post-regulatory supervision of the disconnect,to promote trade finance gradually divorced from their own self-sufficiency and authenticity,trade finance evolved into a financing trade,credit risk cases in recent years,frequent exposure to the banks to bring a huge loss of funds and a chain reaction.Commercial banks should pay attention to the management of trade finance credit risk,according to the basic process of risk management from the risk identification,measurement and monitoring control,learn from the international advanced financial institutions,credit risk assessment methods,combined with their own goals and characteristics,comprehensive sound risk management system.Through the collection of domestic commercial banks on trade finance risk management and credit risk management of the main literature and methods,combined with Rizhao city jurisdiction of the bank's management model and the main customer characteristics,analysis of its trade financing business development status,the main risk points and causes,the use of RAROC model,The risk cost and profit of the bank's trade financing business are measured,and the development of the risk management level of the bank in recent years is evaluated,and the problems existing in the credit risk management of trade finance are found.At present,the X bank's trade finance risk management process mainly involves the implementation of the loan separation system,focusing on the recovery of loan funds,the assessment of trade financing credit risk mainly depends on the judgment of the enterprise financial indicators,from the bank's credit risk Management system,evaluation means,departmental adhesion and staffing,it is necessary to improve the existing management system,to study and apply the scientific risk assessment methods similar to the RAROC model,to strengthen the strategy of financing customers,Product innovation management and personnel training and other measures.At the same time,it is recommended that banks strengthen the risk prevention and financing of the whole process of trade finance,and make detailed measures such as pre-loan investigation,loan approval,post-loan management and risk mitigation.With more and more large-scale commercial banking industry began to set up overseas branches,international competition is more intense,domestic commercial banks should continue to adapt to the international standards of risk regulation,and constantly improve their own risk management level,this paper studies commercial banks Trade Finance Credit risk management hopes to provide ideas for future commercial banks' trade financing credit risk management and even comprehensive risk management,and provide reference for banks with similar types and sizes of X Bank,and also to prevent and control trade risk in the current macroeconomic situation Policies and measures have reference.