Research On Innovative Countermeasures For International Trade Financing Of Commercial Banks

With the further deepening of global trade,no matter from the point of view of the number of trade counterparties,or from the perspective of the commodities and services involved in trade,unprecedented development has been achieved.Based on international settlement,international trade financing will also continue to improve and develop.In our country,commercial banks play a leading role in international trade.This means that commercial banks need to follow the trend.In the process of gradually changing the mode of operation and profitability of commercial banks,in the process of gradual opening up of commercial banks and integration with the world economy,commercial banks have shifted from focusing on interest-rate income to focusing on income from intermediate businesses,and international trade.Because of its superiority,financing has become a new business breakthrough point and profit growth point in the competition and development of commercial banks.From the bank's point of view,commercial banks develop trade finance as a market competition requirement and a booster to promote banks' transition from traditional business operations to modern business operations.From the point of view of corporate development,in the context of the new economic environment and business environment,the The demand for trade finance is becoming increasingly apparent,and traditional trade financing products and methods are far from meeting the business development needs of enterprises.Enterprises urgently need new financing products to meet their development needs.In the discussion in this paper,first,through the study of the classic trade financing theory at home and abroad,the unique characteristics of trade financing(including structural,self-reimbursable,short-term business terms,high financing turnover,etc.)and trade were introduced.The main business type of financing.Second,the emphasis is on the definition and business characteristics of international trade and trade financing in commercial banks in China,and the advantages of commercial banks in developing this type of business.Third,the current status of commercial banks in the field of international trade financing business and their outstanding problems are emphatically analyzed.Fourth,aiming at the above issues,we have in-depth explored the innovative ideas and countermeasures of commercial banks in international trade financing,and on this basis,analyzed the advantages of innovation strategies through S Bank's innovative practices.Fifth,it further emphasizes the direction that commercial banks should pay attention to in the innovation strategy of international trade financing,and proposes the next step for commercial banks to promote the innovation and development of international trade financing business.The development of international trade financing has always been closely related to innovation.In this age of coexistence of risks and opportunities,commercial banks should accurately judge the current international situation and be good at finding opportunities while striving to avoid risks.China's commercial banks can only constantly update their business concepts,innovate their financing ideas,give full play to the vibrancy and application space of their products,take customers as the center,be good at controlling the overall situation,and actively participate in the tide of global economic integration.To lay a solid foundation for the progress towards the world.