中国银行甘肃省分行贸易融资风险管理研究(MBA硕士)

中国银行甘肃省分行贸易融资风险管理研究(MBA硕士)(毕业论文35000字)
 RESEARCH ON TRADE FINANCING RISK MANAGEMENT IN BANK OF CHINA GANSU BRANCH     　　　　　　　　　          
中文摘要
贸易融资是指银行为企业提供的融资行为，它建立在国内外贸易结算的基础上，通过授予客户一定的融资额度为贸易中的进出口商或国内贸易中的买方卖方提供的资金周转的系列信货品种，对银行和企业均能够产生多方面的积极作用。随着各商业银行将国际贸易模式和国内贸易结算的迅速发展进行贸易融资类业务创新，越来越多的国内企业寻求银行提供相应的贸易融资服务，银行的此项业务因此得到了快速的发展。但是，贸易融资业务在发展的同时也存在一定风险，如果把握不好，企业的贸易风险很有可能就会直接转嫁到银行身上，因此，银行在积极拓展贸易融资业务的同时，越来越重视和加强贸易融资业务的风险管理。
本文以中国银行甘肃省分行为研究对象，在参考相关贸易融资和全面风险管理理论的基础上，在研究相关国内外文献的基础上，首先归纳总结了中国银行甘肃省分行贸易融资业务概况和主要贸易融资产品及其流程，分析了贸易融资产品的主要风险以及中国银行甘肃省分行贸易融资业务风险管理的现状和存在的问题及原因；接着通过中国银行甘肃省分行的客户XX企业的贸易融资业务案例，分析了融资过程中出现的风险因素，将收益水平与风险管理能力进行综合考量，实现了盈利与风险的有机结合；最后从提高全面风险管理水平、融资业务营销策略多元化、规范贸易融资业务授信审批流程、重视贸易融资人才队伍建设等四方面，提出了中国银行甘肃省分行贸易融资业务风险管理的相关对策建议。
本文通过对中国银行甘肃省分行贸易融资业务及其风险管理进行分析，希望能对国内商业银行正确的选择贸易融资形式、最大限度的获取融资收益、有效的防范和控制贸易融资业务风险、改善贸易融资业务发展及风险管理现状以及实现利润效益最大化具有一定的指导意义。
关键词：贸易融资；风险管理；中国银行甘肃省分行；对策

Abstract
Trade financing refers to the financing behavior provided by banks to enterprises, which is based on the settlement of trade at home and abroad. A series of letters and goods that provide cash flow to importers and exporters in trade or buyers and sellers in domestic trade by granting a certain amount of financing to the customer, With the rapid development of international trade model and domestic trade settlement, commercial banks can innovate their trade financing business. More and more domestic enterprises are seeking corresponding trade financing services from banks, so the business of banks has been developing rapidly. However, the trade financing business is developing at the same time There are certain risks, if not grasped well, the trade risk of the enterprise will probably be transferred directly to the bank. Therefore, while actively expanding the trade financing business, the banks pay more and more attention to and strengthen the risk management of the trade financing business.
This paper takes Bank of China Gansu Branch as the research object, on the basis of referring to the relevant trade financing and comprehensive risk management theory, and on the basis of studying the relevant domestic and foreign literature. First of all, it summarizes the general situation of trade financing business, main trade financing products and their processes of Bank of China Gansu Branch. This paper analyzes the main risks of trade financing products and the present situation, existing problems and reasons of the risk management of trade finance business in Bank of China Gansu Branch, and then analyzes the trade financing business cases of XX enterprise, a customer of Bank of China Gansu Branch. The risk factors in the financing process are analyzed, and the income level and risk management ability are analyzed. Through comprehensive consideration, the organic combination of profit and risk is realized. Finally, from improving the level of overall risk management, diversifying the marketing strategy of financing business, standardizing the credit approval process of trade financing business, In this paper, the author puts forward the countermeasures and suggestions on the risk management of trade finance in Bank of China Gansu Branch.
By analyzing the trade financing business and its risk management of Bank of China Gansu Branch, this paper hopes that the domestic commercial banks can choose the right form of trade financing and obtain the maximum financial benefits. It has certain guiding significance to prevent and control the risks of trade financing business, improve the development and risk management of trade finance business and realize the maximization of profit benefit.
Keywords: trade financing; risk management; Bank of China Gansu Branch;Countermeasures
 
目录
中文摘要    I
Abstract    II
一、绪论    1
（一）选题背景和研究意义    1
1. 选题背景    1
2. 研究意义    2
（二）研究目标与研究思路    3
1. 研究目标    3
2. 研究思路    3
（三）研究方法与相关理论    4
1. 研究方法    4
2. 相关理论    4
（四）国内外研究现状    5
1. 国外研究现状    5
2. 国内研究现状    8
3. 国内外研究综述    10
二、贸易融资概述    10
（一）贸易融资的涵义    10
（二）贸易融资的风险特征    11
（三）贸易融资产品的分类管理    12
（四）贸易融资流程的特点    12
（五）贸易融资发展概况    12
（六）贸易融资业务与流动资金贷款的比较    13
1. 传统流动资金贷款发展瓶颈    13
2. 贸易融资业务与流动资金贷款对比优势    14
三、中国银行甘肃省分行贸易融资现状    15
（一）贸易融资业务开展情况    15
（二）贸易融资特点    16
（三）贸易融资授信管理及从业人员    16
四、中国银行甘肃省分行贸易融资风险管理现状    17
（一）贸易融资风险管理制度    17
1. 贷前管理    17
2. 贷中管理    19
3. 贷后管理    19
（二）贸易融资业务风险案例    21
1. 基本情况    21
2. 风险问题分析    23
（三）影响贸易融资业务风险管理的主要因素    24
1. 客户风险评级结果的影响    24
2. 客户授信总量与授信结构的影响    24
3. 供产销等环节管理水平对贸易融资业务的影响    24
4. 社会中介机构服务与管理水平对贸易融资业务的影响    25
5. 法律环境的制约    25
五、中国银行甘肃省分行贸易融资风险管理的对策建议    26
（一）贸易融资业务风险管理原则    26
（二）贸易融资业务风险管理的对策建议    27
1. 通过贸易融资项下产品设计管控风险    27
2. 结合贸易融资特点，建立完善的业务体系架构    28
3. 采用先进的风险管控文化和全面的风险管控体系    29
4. 提高对风险转移的分析硏究    30
5. 重视贸易融资业务操作机制的管控    31
6. 加强与外部监管机构及同业的合作力度    32
7. 利用大数据加强企业信用风险防范    32
六、结论与展望    32
（一）结论    32
（二）展望    33
参考文献    34
致谢    36