Research On International Trade Finance Of Chinese Bank

In 2010,the restorative growth of global import and export proposed overall development of trade finance which derived from international settlement business.Data show that by the end of 2010 Chinese Banks' international trade financing balance has been more than 150 billion dollars.The good quality of the international trade financing assets of Chinese banks resulted in considerable business income The banks and companies enjoyed good relationships.But it must be noted that the competition of international trade financing in China was still intense.The banks joined competition by homogeneous and similar products and lower price,which is lack of technology.Trade financing can't reflect its characteristics.The lower risk financing form has not yet been fully used in import and export trade.In 2011,the world's economic recovery is underpowered and trade protectionism is popular,but because of domestic industrial structure adjustment,the government's encouragesin international trade,the national import and export trade continued growth which increase financing trade of banks In addition,the expectation in RMB appreciation make import sustained strong,and China's import and export expansion,the ability to resist risk,improve growth of trade financing for banking industry.International trade finance has been large part in banks' income contribution.These factors make bank' trade financing will has a broad market.So considering the trade financing market environment and financial development,the research on domestic banks' international trade financing business is valuable.This paper will take the volume of domestic banks' international trade financing in 2010 as the starting point,and then expand to other periods.Through the theoretical analysis and empirical analysis,according to the characteristics of the banks in China,and the combination of the micro analysis and macro analysis.It summarizes the existing problems in China's foreign trade financing,to find out the influencial factors in the financing business,giving the suggestions on the development of the international trade finance business,so as to better promote the China's foreign trade.The first chapter illustrates the research background and purpose and meaning of international trade financing,defining which parts of international trade finance to study on.Review the related literature and research reports from different angles,providing the theory foundation for this paper.The second chapter describes classification and function trade financing business in banks to provide the theory basis and study objects for below research.Describe the present situation and development of international trade financing business by descriptive data analysis.Analyze superiority and the innovation points of the foreign bank in China to offer reference for improvement of international trade financing in Chinese bank.And reveal the international trade finance business status and problems.The third chapter refines influencing factors of international trade financing according to the trade financing problems in third chapte and then analyzes the risks of the bank.The fourth chapter provides empirical analysis.Define dependent and independent variables from the influencial factors in third chapter.Use cointegration test methods to study the relationships between RMB exchange rate and international trade financing.Using Granger test to analyze the causal relationship between the two factors;Use qualitative analytical method to find out the problems of development of international trade financing business.The fifth chapter proposes the counter-measure and the suggestion to domestic banks in developing the international trade financing business,to enhance the competitiveness of domestic banks,and then promote the healthy development of foreign trade.The sixth chapter summarizes main points in this paper and the prospects of future research.