The Study Of Credit Risk Management For ICBC XX Branch International Trade Financing

With the rapid development of international trade and the changing economic and financial environment,around various aspects of international settlement of international trade financing business also diversified and complex trends.International trade finance is an important component of international business of commercial banks,is provided for import and export Enterprise international settlement-related credit services.With rapid development of international trade and international settlement,financing risks in international trade has also increased.Compared with foreign banks,international trade financing business of commercial banks in our country is late about business development started and risk management,and has some gaps about operations and risk management:In this context,how to grasp the development opportunities of trade financing,and take practical effective risk management strategies to enhance international trade financing of commercial bank risk management ability,not only to the commercial bank management efficiency,but also inevitable requirement of international trade financing business of commercial banks healthy development.Therefore,article by ICBC XX branch as the research object,starting with international trade finance credit risk management research is great practical significance for international trade finance credit risk management.Based on the research about international trade finance,trade finance and international trade financing risk management research of credit risk in domestic and overseas.Change research international trade finance credit risk perspective from macro perspective to a microscopic point of view combined with the ICBC XX branch to reflect the real situation of international trade financing.First of all,analysis the problems existed about the.management of financing risks in international trade.Secondly,analysis of the ICBC XX branch in different international trade risk of financial products.Thirdly,change risk assessment model for complex and difficult operation problem,according to the scientific method,reference indexes related to management of commercial bank loans,combined with the characteristics of trade finance,Establishing credit risk credit risk evaluation index system and establishing analysis model based on BP neural network.Based on the actual international trade financing data of the ICBC XX branch in recent years,using mathematical models to empirical analysis of credit risk assessment.Finally,make the the management decision for ICBC XX branch international trade financing problems in credit risk management,risk identification and assessment content analysis to implement and control.Through research for international trade finance credit risk management of commercial banks to provide new ideas and reference,improving the Bank's trade finance credit risk management capabilities,reduce potential credit risks,and promote the effective development of the Bank's trade financing business and sustainable development.