Research On Risk Analysis And Prevention And Control Measures Of N Bank's Trade Financing Products

With the rapid development of export-oriented economy,the volume of foreign trade business has increased significantly.As a new type of financing product,trade financing business has obvious advantages compared with traditional financing methods.Therefore,commercial Banks and enterprises pay more and more attention to it.However,unlike other industries,Banks' main source of income is to allocate funds scientifically and reasonably while effectively managing operational risks,so as to obtain investment returns.N bank is the first national bank holding large commercial Banks since the founding of China,as well as one of the four giants of China's banking industry,which has followed the pace of development of the times.It constantly updated international trade financing products and provided diversified trade financing services,therefore obtained corresponding economic benefits in the process of providing financial support for enterprise development.This paper introduces the relevant concepts and theories of trade financing and expounds the development status of N bank's trade financing business.From the stages of the initial marketing,pre-loan investigation and post-loan management,this paper analyses the risk management status of N bank's trade financing business as well as the main problems in N bank's financing risk from the aspects of risk prevention system,financing business,financing method and financing innovation.On this basis,based on case analysis,the credit risk,operational risk,market risk,national risk,legal risk and other factors of N bank's trade financing business are identified and assessed.According to risk identification,the main risk that N bank faces is operational risk.Risk control should be carried out by improving the control system of trade financing risk,strengthening risk monitoring and management,improving the credit evaluation system of trade financing and improving the risk identification strategy.Finally,it puts forward safeguard measures from organization safeguard,system safeguard,manpower safeguard and culture safeguard etc.