Research On Risk Control Issues Of SG Bank Harbin Branch Trade Finance Business

This article first introduced the research background and related theory,then an overview of the trade financing risk control present situation for societe generale bank Harbin branch,including bank development and trade finance business types,and analyze the trade financing business in the aspect of risk prevention and control the problems and causes.Finally,in view of the above analysis found that the risk prevention and control issues from the credit risk,operational risk,the external regulation improvement measures are proposed as target coments,to perfect the societe generale bank Harbin branch trade financing risk control system to provide theoretical support and reference solution.The purpose of this paper is to through in-depth analysis and Harbin branch trade financing business status and risk control system,including the type of bank development course and the trade financing business,and analyze the trade financing business in risk control level of the existing problems and causes,analysis method and Harbin branch trade financing business risk control,the problems of the credit risk control level is mainly embodied in enterprise information audit strictly,background not audit not detailed;At the operational risk level,it is mainly manifested in the inadequate monitoring of the financing return,poor communication in the background,and defects in operation management procedures.At the risk control level of the market,there are mainly exchange rate risk control,and the hedging means are single;At the national risk control level the problem is mainly manifested as national risk identification.Liquidity risk control is weak.Problem of the forming reason mainly includes the external cause and internal cause,internal cause including business risk consciousness,the development pattern,lack of targeted trade financing risk control system,etc.;External causes include disorderly market competition,rampant fraud and trade financing.By identifying trade financing business in risk control and the deficiency of the potential risks,according to analysis found that the risk control problem from credit risk,operational risk,and puts forward some countermeasures forimprovement of external supervision Angle,the main measures include:strengthening the management of credit risks of the credit process,clear trade financing business internal risk control system and the architecture,optimization of personnel management system,and draw lessons from successful experience to improve risk control technology,attaches great importance to the external supervision.The proposed countermeasures for perfecting the socgen Harbin branch trade financing risk control system provides targeted theoretical support,to promote the improvement of the societe generale bank risk control system,preventing the risks of trade financing business,improve the bank's ability to resist risk has a positive meaning.