Research On International Trade Finance Product Innovation And Risk Management

With the overall opening and development of China's economy,foreign trade is increasing,and international trade finance has become an important factor in the competition among commercial Banks.The development of international trade financing business for import and export business and convenient import and export trade settlement services,satisfy the enterprise financing gap problem facing in the process of foreign trade,strengthened the competitive advantage of enterprises in international trade in our country.At the same time,commercial Banks have obtained higher returns through international trade financing business,and the profit return is relatively objective,achieving comprehensive benefits and enhancing commercial Banks' participation in the economy.However,the development of international trade financing of commercial Banks in China is difficult to meet the objective needs.Externally,the impact and competition of foreign Banks with comprehensive strength and rich experience in trade are increasing.Internally,the international trade financing business has the difficulty of financing way,single financing mode and high financing cost.Based on this,this paper chooses the international trade financing product innovation and risk of our country commercial bank as the research topic.Through the research of this paper,we hope to make breakthrough and innovation in the theory of trade financing product innovation and risk management.At the same time,combining with the example of C bank,innovation of C Banks facing difficult and risk management difficult problem carried on the empirical analysis and discussion,the work of the new direction,find out the countermeasures and measures to solve the problem.In this paper,in order to better analyze the current problems of international trade finance product innovation and risk management,and combine the actual situation of bank C,the empirical research and analysis are carried out.First of all,is introduced in this paper,we study the background,significance,content and methods,and summarizes the innovation and deficiency of this study,the paper on the basis of reference for all kinds of literature,decompose the research into the effects of several major factors of trade financing product innovation and risk that resources factor,ability factor,management factor,information factor and subjective factor,then decompose step by step,from total to points,from the whole to the local analysis and discussions;Second,the international trade financing product innovation of a brief introduction to the theory of knowledge,including the classification,the characteristics of international trade finance products,the types and reasons of international trade financing risk,etc.,through theoretical analysis and combined with research achievements at home and abroad is introduced;Thirdly,combining with the actual situation of bank C,this paper analyzes the current situation,problems and causes of risk management of bank C's international trade financing product innovation and risk management.Fourth,with the aid of statistical analysis method for C bank international trade financing product innovation and risk management problems in the empirical analysis,this article mainly used validity analysis and reliability analysis method,the problem of the factors for the ultimate goal of effective explanation and believable degree was analyzed,the five factors further decomposed into the secondary and tertiary indicators,calculated the weight of each index hierarchy,so as to find out the key index,aiming at the problem of key indicators are targeted adjustment and policy Suggestions to deal with.