本文選題：中小商業(yè)銀行 + 貿(mào)易融資業(yè)務(wù)�。� 參考：《山西財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：近年來(lái)，貿(mào)易融資業(yè)務(wù)由于其真實(shí)性、靈活性、時(shí)效性、自償性及表外性等特點(diǎn)被商業(yè)銀行大力開發(fā)與推廣，形成一股貿(mào)易融資熱，中小商業(yè)銀行的貿(mào)易融資業(yè)務(wù)得到了空前發(fā)展。但中小商業(yè)銀行在開展貿(mào)易融資業(yè)務(wù)的過(guò)程中，其貿(mào)易融資業(yè)務(wù)的風(fēng)險(xiǎn)管理存在一些問(wèn)題，如缺乏完善的風(fēng)險(xiǎn)管理體系、風(fēng)險(xiǎn)管理重視程度不夠及在風(fēng)險(xiǎn)管理過(guò)程中風(fēng)險(xiǎn)防范存在漏洞。在商業(yè)銀行安全性、流動(dòng)性及盈利性的要求下，貿(mào)易融資業(yè)務(wù)的風(fēng)險(xiǎn)管理顯然十分重要。商業(yè)銀行貿(mào)易融資業(yè)務(wù)的風(fēng)險(xiǎn)包括政策風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)等，目前中小商業(yè)銀行的貿(mào)易融資業(yè)務(wù)的風(fēng)險(xiǎn)管理重點(diǎn)在信用風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)上，，全面風(fēng)險(xiǎn)管理沒(méi)有得到重視。中小商業(yè)銀行貿(mào)易融資業(yè)務(wù)的風(fēng)險(xiǎn)管理有待加強(qiáng)。 本文通過(guò)對(duì)中小商業(yè)銀行貿(mào)易融資業(yè)務(wù)的發(fā)展現(xiàn)狀及風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行分析，發(fā)現(xiàn)中小商業(yè)銀行貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)管理存在的問(wèn)題；并以主要的貿(mào)易融資產(chǎn)品的風(fēng)險(xiǎn)分析為例，對(duì)政策風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)進(jìn)行了全面系統(tǒng)的分析，提出貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)分析的整體思路；最后針對(duì)中小商業(yè)銀行貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)管理中存在的問(wèn)題，提出加強(qiáng)貿(mào)易融資業(yè)務(wù)風(fēng)險(xiǎn)管理的對(duì)策，包括完善貿(mào)易融資業(yè)務(wù)的全面風(fēng)險(xiǎn)管理體系、明確各貿(mào)易融資業(yè)務(wù)部門分工、加強(qiáng)人員的培訓(xùn)與教育等具有可行性的對(duì)策。
[Abstract]:In recent years, due to its authenticity, flexibility, timeliness, self-compensation and off-balance sheet characteristics, trade financing business has been vigorously developed and promoted by commercial banks, forming a trade financing fever. The trade finance business of medium and small commercial bank got unprecedented development. However, in the process of developing trade financing, there are some problems in the risk management of trade financing, such as the lack of a perfect risk management system. Risk management is not paid enough attention and there are loopholes in risk prevention. Under the requirements of security, liquidity and profitability of commercial banks, the risk management of trade financing business is obviously very important. The risks of trade financing business of commercial banks include policy risk, market risk, credit risk and operational risk, etc. At present, the risk management of trade financing business of small and medium-sized commercial banks focuses on credit risk and operational risk. Overall risk management is not taken seriously. The risk management of trade financing business of medium and small commercial banks needs to be strengthened. Based on the analysis of the current situation of trade financing business and risk management of small and medium-sized commercial banks, this paper finds out the problems existing in the risk management of small and medium-sized commercial banks' trade financing business, and takes the risk analysis of major trade financing products as an example. This paper makes a comprehensive and systematic analysis of policy risk, market risk, credit risk and operational risk, and puts forward the overall thinking of risk analysis of trade financing business. Finally, it aims at the problems existing in the risk management of trade finance business of small and medium-sized commercial banks. The countermeasures of strengthening the risk management of trade finance business include perfecting the overall risk management system of trade financing business, clarifying the division of labor among trade finance business departments, strengthening the training and education of personnel and so on.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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