Research On Innovation Of Internal And External Loan Business Of Bank Of Communications

With the rapid development of China’s foreign-related economy and the gradual implementation of the country’s The Belt and Road Initiative more and more domestic companies respond to the country’s "go out" call,by setting up their own subsidiaries or equity companies abroad to carry out business.How to solve the capital problem of overseas branches or joint-stock enterprises is a difficult problem for domestic enterprises to set up new companies abroad.Obtaining loan support from overseas local Banks is an important channel to solve the foreign exchange fund demand of overseas enterprises.But for foreign company outside the new financial market conditions are not familiar with,do not understand local banking products,and foreign Banks in the new company credit situation,assets status,market competition ability to understand there is a process,therefore,outside the newly established enterprise from the local to Banks to raise the funds required for the enterprise development.At this time,the introduction of the credit of domestic commercial Banks,that is to say,the domestic Banks to provide guarantee for the loan financing of overseas enterprises,can help overseas enterprises to meet the credit conditions of overseas Banks,so as to solve the problem of foreign exchange fund demand.Late as a result of international business of bank of communications,cross-border secured financing business development is slow,how to seize and make full use of the state shall encourage enterprises "going out" and "area" development strategy of cross-border financing opportunities,how to qualify for loans business represented by the within cross-border secured financing business for financial products design,how to develop cross-border secured financing business risk is also the problemof bank of communications has been exploring over the last two years.This article hope that through internal qualify for credit business market demand,product advantages,product characteristics and function analysis,implement internal qualify for a loan cross-border financing the full range of product design,putforward the development of scientific qualify for credit business is dealt with in process and risk prevention measures,and then to bank of communications international trade financing product especially cross-border financing product innovation anddesign reference.This paper is mainly divided into five parts for elaboration and analysis:The first chapter is the introduction,which mainly elaborates the research background,research purpose,research significance,domestic and foreign research status,research methods and content.The second chapter is an overview of the internal and external loan business of commercial Banks.It mainly elaborates and analyzes the concept and characteristics of internal and external loan,the introduction of internal and external loan products of commercial Banks,the current situation of internal and external loan business of commercial Banks,and the deficiencies of existing products.The third chapter analyzes the background of the innovation of internal and external loan guarantee business of bank of communications,including the introduction of bank of communications,the status quo of internal and external loan guarantee business of bank of communications,the overview of the development status of overseas institutional business of bank of communications,and the application of internal and external loan guarantee business of overseas Banks.The fourth chapter is a case study on the innovation of internal and external loan business of bank of communications,which mainly includes the case that bank of communications provided financing for suning’s acquisition of inter milan,the analysis on the innovation trend of internal and external loan products of bank of communications,and the application of overseas correspondent Banks on the basis of internal and external loan;The fifth chapter is about the innovation of internal and external loan business of bank of communications.It mainly describes how the bank of communications realized the first cross-border merger and acquisition between different industries through bank credit funds,how to realize the combined application of comprehensive credit line in internal and external loan business for the first time,and how the bank ofcommunications focuses on investigating the overall repayment ability of enterprises rather than the repayment ability of a single overseas subject.The sixth chapter is conclusion.