Bank Export Credit Insurance Financing Risk And Its Prevention And Control

With the moderate recovery of the world economy,the in-depth development of China's foreign economy,coupled with the government's vigorous call for corporate “going out” policies and the introduction of relevant support policies,not only have China's export growth in the past two years continue to rise,but also in China's trade.The demand for financing is also on the rise.Export credit insurance financing,as a trade financing method that can quickly withdraw funds for exporters and obtain high profits for banks,is the focus of traders and banks in China,and has become one of the key businesses of commercial banks in China in recent years.In practice,there are many disputes arising from the financing of export credit insurance,and the risks exposed by the banks exposed in the financing activities are also complicated.As a new type of trade financing,banks not only face the credit risk of the applicant's exporters in the financing activities,but also may circumvent the legal provisions due to the design of the export credit insurance financing method,so that the bank faces the law lagging Legal Risk.Therefore,studying and responding to the risks exposed by banks in the practice of export credit insurance financing activities has important practical significance for the legal order of China's financial market.This paper intends to use the method of case study to introduce the risk problems faced by banks in export credit insurance financing,classify them,and propose risk prevention suggestions from different levels from the perspective of financing banks.Mainly from the following five parts to discuss: First of all,in the introduction part through the display of export credit insurance financing contract dispute Classic case,put forward the bank in this case faced with the risk and legal issues,leading to the topic of the article;Secondly,it introduces the financing of export credit insurance,including the generation,origin,function and financing process of export credit insurance financing,as well as the comparison between traditional credit financing and life insurance policy pledge loan,in order to highlight the characteristics of export credit insurance financing;Then is the analysis of the legal relationship between the main bodies in the Export credit insurance trade financing,the export credit insurance financing involves the Quartet legal subject,the legal relationship is complex,the analysis of the legal relationship between the subjects can pave the groundwork for the subsequent case analysis;Next,by introducing each case,this paper analyzes the possible risks faced by banks in the financing of export credit insurance,including the operational risks caused by the audit negligence,the credit risk caused by the exporter's failure to carry out the contract,and the legal risks caused by the problem of the contents of the financing agreement signed by the bank in the course of financing negotiation.Finally,according to the risks obtained from the above analysis,the prevention and control countermeasures for each risk corresponding are put forward.Not only from the operational level before and after the bank lending,but also from the national legislative level,the Bank Insurance Supervision Committee level,put forward risk prevention and control measures to reduce bank risk in a more comprehensive way.