Research On The Risk Analysis And Management Strategy Of International Trade Financing Of Agricultural Bank Of China F Branch

In recent years,with the rapid development of China's import and export trade,the demand for trade financing is more and more intense,promoting the rapid development of international trade financing business of commercial banks.However,due to the changing business environment,the risk management level is lagging behind,the international trade financing risk gradually increased.Agricultural Bank of China F City branch also fell into the same predicament,which trade finance non-performing loans continue to rise.Therefore,urgent need to sort out the ABC F branch of the international trade financing risk from the customer,the bank internal and external market all aspects of point of view,and puts forward some effective methods for analysis and treatment strategies,in order to promote the Agricultural Bank of China branch of F international trade financing business of scientific and orderly development.This paper introduces the method of combining risk theory analysis and case analysis,and systematically studies the risk and strategy of international trade financing of Agricultural Bank of China F branch.First of all,this paper analyzes the current situation of international trade financing risk of Agricultural Bank of China F branch in recent years.And this paper puts forward the main risk problems for trading,for example,we do not pay enough attention to transaction status,the pre loan investigation ability of trade finance business staff is weak,the bank has not established a international trade financing risk control system,risk liability constraint mechanism is not standardized,country risks need to be treated with caution,the bank lacks the comprehensive evaluation of enterprise credit status,and so on.Secondly,we begin to empirical analysis,including expert analysis,AHP and fuzzy evaluation model.The empirical analysis is to select the risk factors of Agricultural Bank of China F branch,including customer credit risk(credit status,trade status,financial status,guarantee ability),internal bank risk(rating criteria,credit requirement,pre loan investigation,post loan management),and external risk(country risk,price risk,exchange-rate risk,interest-rate risk).Then calculate the proportion of the risk factors through AHP,and use fuzzy evaluation method to score the risk factors.We come to the conclusion that the most main factors influencing international financing trade risk of Agricultural Bank of China F branch is trade situation.And the main factors includes pre loan investigation,credit status,and country risk.Finally,this paper focuses on the measures of international trade financing risk control of Agricultural Bank of China F branch.The bank needs to strengthen the authenticity investigation of the trade background and the supervision and management of the loans repayment,enhance the pre loan survey ability of trade finance staff,establish the international trade financing risk prevention and control system of Agricultural Bank of China F Branch,standard risk liability restraint mechanism from work flow,system specification,employee responsibility.At the same time,the bank needs to pay attention to the control of country risk,evaluate comprehensively the enterprise credit combining transaction status,credit status,financial status,security status.At last,the bank needs to establish the reasonable industry personnel training,assessment and promotion system.The study on the international trade financing risk,which will further promote the international trade financing business healthy development,and provide the basis for strengthening and improving the management of international trade financing business of the Agricultural Bank of China F branch.Meanwhile,it is reality significance to provide reference for other commercial banks in the risk control of international trade financing through the study.