Research On Credit Risk Assessment Of International Trade Financing Business Of Commercial Banks

As one of the main ways to smooth the flow of funds to trade enterprises,international trade financing business has become a vigorously developed business of China's commercial banks.However,due to the lateness of China's commercial banks in developing international trade financing business,the immaturity of risk control,the impact of a new round of industrial revolution on China's trade enterprises and the operational risks of trade enterprises themselves,the credit risks faced by commercial banks in international trade financing business are aggravated.In order to effectively control the credit risk of international trade financing business of commercial banks,it is necessary to establish a credit risk evaluation model of international trade financing to improve the level of credit risk management of commercial banks.In this paper,empirical research method is used to study the selection of international trade financing risk evaluation indicators and the establishment of risk evaluation model.Firstly,this paper analyses the development characteristics of international trade financing business of commercial banks and the development status of international trade financing business of commercial banks in China.It shows that there are some problems in risk identification of international trade financing business of commercial banks.Therefore,in order to solve this problem,this paper constructs an index system of international trade financing business,including macro-factor index,enterprise basic ability index and finance index.In this paper,105 listed companies engaged in trade activities are selected as samples,and the relevant data are extracted for factor analysis.After extracting the principal component factors,a model is built based on logistic regression principle.The analysis of the output results shows that the model fits well and is suitable for predicting the default probability of international trade financing of trading enterprises.Finally,according to the results of empirical analysis and the current situation of credit risk management in international trade financing business of commercial banks in China,some suggestions are put forward to control credit risk.Based on empirical research and actual situation analysis,this paper puts forward multi-dimensional proposals for risk assessment system,commercial banks and financing enterprises from three perspectives.Credit risk system construction should be more targeted and qualitative and quantitative;commercial banks should attach importance to the qualification examination of financing target enterprises,enhance risk identification ability,innovate international trade financing products and financing enterprises should also pay attention to the construction of credit risk system.The system of risk self-examination should be established,and supply chain trade financing and industrial cluster trade financing should be adopted.