Financial Product Design Of G Bank's Cross-border Direct Loan

At present,with the innovation of external debt management mode,the qualifications of debt body and the usages of the debt capital further ease,which make it more convenient for domestic enterprises to integrate funds from abroad.With the promotion of the macro-prudential policy on foreign debt,the demand for domestic customers to finance through overseas banks will become increasingly significant.Cross-border direct loan helps deepen bank-enterprise cooperation and lower financing costs,so it is attracting more and more domestic enterprises and banks.The variability and instability of the international relations environment lead to instability in the quota and difficulty of cross-border funding,so the risk is inevitable.Meanwhile,the state's control over financial development risks and the demand for a stable financial environment have put cross-border funding under strict supervision,thus financing difficulty increases and financing efficiency decreases.Therefore,if banks want to conduct relevant business,the challenges brought by external environments need to be addressed urgently.Safe,stable and efficient cross-border direct loan products can not only help customers obtain funding sources,but also improve the competitiveness of banks and bring stable and safe profits to them,thus promote the common development of banks and enterprises.Therefore,the scientific and legitimate design and innovation of crossborder direct loan products have become the top problems in cross-border guarantee financing market facing the commercial banks.This paper conducts design analysis and case analysis of G Bank's cross-border direct loan business,demonstrates the necessity and significance of the business development,and comes up with the business development strategies and optimization measures.The specific steps are as follows:Firstly,the paper introduces the research significance and approaches.Then,based on the analysis and summary of predecessor's research results,the paper designs and analyzes G Bank's cross-border direct loan business,presents the basic concept and philosophy of cross-border direct loan product,illustrate the design scheme of G Bank's cross-border direct loan product,analyze the market environment and market prospect it faces,and compare with other like products.And then,combined with special features of G Bank's cross-border direct loan product design,the paper puts forward the expanding strategies of G bank.Finally,the paper concludes the contribution and deficiency of the research and forecast the direction of future research.