Forfaiting Business Risk Analysis Of X Bank Under Documentary Collection

With the advent of the "Forfaiting Unified Rules" (URF800), Forfaiting, a highly flexible trade finance product, has become more normative and universal applicability. At present, both in the letter of credit or under the single care, can do the business.Forfaiting as a buyout financing business, it can not only take up the exporters of the credit line, but also can pass credit risk, market risk, national risk and other risks, it is very popular with China's export enterprises. For those who have turned the product focus to a buyout bank, more attractive. On the one hand, for exporters, importers of the deferred payment to the short term can not get the capital turnover, affecting the operation of enterprises. In this case, it is a good choice for the exporter to provide 100%financially discounted Forfaiting business, on the other hand, for banks, the regulatory body is limited by the size of the credit and the interest rate marketization of the deposit and lending spreads shrink the status quo, transfer products such as the center of Forfaiting business has become an irreversible trend.At present, China's literature on the Forfaiting business research is limited to the letter of credit settlement, but today's international market has been replaced by the seller of the seller's market,those who have the advantage of importers do not want to apply for a letter of credit to the bank, In desperation, exporters can only accept the form of collection and collection, therefore, the international trade in a single form of Forfaiting business has been unable to meet the needs of importers and exporters. In the face of fierce competition from foreign banks, commercial banks are subject to restrictions on credit size of regulators, and interest rate liberalization leads to deposit and loan spreads that are no longer the main source of income for banks. Banks must actively expand their services to improve their income.This paper first analyzes the various risks that China Commercial Bank may encounter in the business of Forfaiting, such as the national risk of the initial stage, the credit risk, the market risk of the commitment period, discounted operational risk.Second, combined with a real case, from the perspective of commercial banks to analyze the X bank in the various stages of the Forfaiting business is how to do a good job of risk prevention, other commercial banks to do with the single-card to accept the Forfaiting business very good reference. Finally, the bank of X how to further improve the risk prevention measures are given a few suggestions.