Study On The International Trade Financing Of Z Bank Risk Management

With the deepening of economic integration and the continuous maturity of the global market,the international trade business has also ushered in new opportunities for development.The short term,fast capital turnover and the strong liquidity of trade financing determine that it is an ideal way for modern banks to use funds effectively.On the one hand,the fast developing international trade financing business can provide a broader financing model for the enterprise;and on the other hand,it brings rich middle business income for the bank,which is favored by all commercial banks.Surely,the development of trade financing business has played a positive role in the development of the banking business,but at the same time it will also lead to a variety of risks.After all,international trade financing belongs to bank asset business,and it is not exactly the same as traditional credit business.It not only has operational risk,but also has credit risk and market risk.To cope with risks,banks have formulated relevant risk prevention measures,from customer access to pre-credit investigation,from credit rating to loan approval,and a series of internal control management systems.However,compared with other countries in the world,China's commercial banks have limited knowledge of trade financing risk,relevant policy systems are still being perfected.The problem about how to improve the ability of banks to deal with the risk of international trade financing in the new economic situation has become the current research focus of international trade financing in China.This paper is based on the theory of trade financing and risk management,use the research methods of combining quantitative analysis with qualitative analysis to analyze the present situation of Z bank's international trade financing risk management,then accordingly propose problems existing in risk management and finally formulate feasible measures to solve the problem,which will be of much realistic significance.This paper is divided into six parts: the first part is the introduction,which mainly introduces the research background,research significance,research content and research methods;the second part is the theoretical basis and literature review,laying a theoretical foundation for further research;the third part introduces the basic situation of Z bank,the development of international trade financing and its main products,and further explains the current situation of Z bank's international trade financing risk management from the aspects of organizational structure,business approval process and and the current risk management.Through the analysis of the actual case in the part of risk management in Z bank,the problems existing in trade financing risk management will be discussed;the fourth part describes influences on Z bank's international trade financing which are caused by the operational risk,credit risk and market risk,and proposes some main problems: lack of risk identification ability,limited risk control measures,imperfect risk early-warning mechanism,credit management formalization and disorderly inner-competition,and then based on these,causes of risk will be discussed;the fifth part,based on the analysis of the problems,puts forward measures to grasp the real situation of the enterprise,improve the international trade financing risk management system,establish a risk early-warning mechanism,strengthen the management after loan and product innovation;the sixth part summarizes the full text and come to a conclusion.