The Risk Management Of Export Trade Financing In Bank B Of Quanzhou

Export trade financing business refers to credit products that are specifically aimed at enterprise export trade financing,with relatively high requirements and strict risk control.The export trade financing business is closely related to the export environment and its risks mainly steam from the particularity and complexity of the international trade market thus it naturally having its own uncertainty.For commercial banks,controlling the risk is always one of the most important business goals,only under the premise of controlling risk can the export trade financing business plays its role in credit market.For enterprises,under banks' credit requirements about controlling the risks,the export business would be better regulated,the demand of export funds would be replenished,the production would be further expanded and more revenue would be generated.For local markets environment,the action of banks controlling risks will optimize the regulation environment,accelerate the survival of the fittest process of enterprises,and improve the competitiveness of the entire industry,so that the local market can adapt better to the complex and changeable international environment.Therefore,the study of risk management of the export trade financing business possesses realistic value and representative significance.This paper follows the steps of "Environment Setting,Risk Identification,Risk Analysis,Risk Assessment,Risk Handling",proceeding from reality,analyzing The Export Trade Financing of Bank B in Quanzhou,using risk theory to summarize,offering the suggestion of improving risk management.First,this research proves the necessity of managing risks by two sides,inside and outside.Next,this research applies Production Flow Analysis and Brain Storming Method to identify 25 specific risks and introduce their typical risk cases.Then according to Basel II,the risks can divided into four kinds of risks.According to the characteristics of the international export trade,this research reveal the root of the risks and assess the risks,summarize the classification of risks in the export trade financing business,and judge the priority and importance by Experts Grading Method.Last,this research measures and assesses whether effective risk management are carried out during the process of export trade financing business,proposes measures for risk management and risk monitoring from three kinds of countermeasures.This paper sums up how Bank B of Quanzhou processes better risk management in the export trade financing business procedure.