| Trade financing business is of great significance to promote global economic integration and Global trade progress.The trade financing business mentioned in this paper refers to that China’s commercial banks provide a series of financial services,including but not limited to capital financing and credit convenience,for all participating enterprises by using the funds of domestic and foreign commercial banks according to the actual operation needs of enterprises in their participation in domestic and foreign trade activities.The trade financing business of commercial banks involves both asset business and intermediary business.It is one of the key financial businesses of many large commercial banks in the world.In China,the trade financing business of commercial banks is generally started late,the professional ability in trade financing management and risk control is not very strong,the overall operation of trade financing business is not very standardized,and there are many potential problems in various products and operation links.How to correctly understand the risk of trade financing business of commercial banks,and then reasonably regulate it,so as to prevent the occurrence of risk events,is not only the premise and guarantee for China’s commercial banks to expand trade financing business,but also the basis for promoting the continuous optimization and development of China’s trade.Bank x is a large national joint-stock commercial bank.Its Q branch has shown a good development momentum in the field of trade financing business year after year.However,after careful analysis,it is found that its actual growth rate is far lower than the average growth level of trade financing business of local commercial banks.Facing the increasingly fierce market competition,Q branch of bank x should how to realize the long-term development of its trade financing business and improve its market position in the local banking industry,so as to ensure the continuous growth of its trade financing business profit,which is a top priority task faced by Q branch of bank X in business expansion and daily operation,At the same time,it is also an inevitable severe challenge in its development process.In view of the above reasons,through investigation and analysis,the author makes use of his own advantages of practical work experience,makes an in-depth study on the development status of trade financing business of Q branch of bank x,and analyzes the development status and risk management methods of trade financing business of Q branch of bank x on the basis of analyzing and summarizing the operation process and risk management mode of trade financing business of Q branch of bank X.Through the deep analysis of it,this paper summarizes the loopholes and problems existing in the risk management of its trade financing services,and finds that there are many problems in the daily management of its trade financing business,such as the deviation of risk identification,the lag of risk assessment,the lack of early warning mechanism of risk monitoring,and the weakness of risk control.At the same time,in view of the personalized problems shown by Q branch of bank X in the risk management of trade financing business,according to the theory of risk management,the author puts forward relatively specific improvement measures and plans,such as strengthening the ability of risk identification,improving the risk assessment system,improving the risk monitoring and early warning mechanism,improving the means of risk control,etc.It can be used for Q branch of bank x to comprehensively upgrade the risk management of trade financing business. |
