Risks And Countermeasures In International Trade Financing Of Commercial Banks

In recent years,the international trade financing business of Commercial Banks has made unprecedented progress with the rapid growth of China’s international trade.Because the international trade financing business has advantages in the self-liquidating,low-risk,high-yield,centralized intermediary business and asset business and the broad development foreground,it has become one of the focus of Commercial Banks’ competition.But the income is often accompanied with risks,especially with the entry of foreign banks and the rapid development of cross-border RMB business,the risks of international trade financing of Commercial Banks become more complex and diversified.Therefore,it is of great practical significance for Commercial Banks to prevent and control the risks of international trade financing while ensuring maximum revenue.Starting from the theory of international trade financing and related risks,the thesis introduces the current situation of China’s international trade business and the main risk types.Then combined with the actual situation of Qingdao area,analyzes the risk cause of Commercial Bank’s trade financing business in Qingdao area,and then analyzes the risks suggests the corresponding preventive measures of its main business types.Finally,introduces the comprehensive credit risk model of commercial bank by specific case,advises the countermeasures and suggestions on perfecting the risk management process and preventing risks in the international trade financing business of Qingdao area Commercial Banks.