本文選題：國(guó)際貿(mào)易融資產(chǎn)品 + 產(chǎn)品創(chuàng)新�。� 參考：《南京大學(xué)》2012年碩士論文

【摘要】：改革開(kāi)放三十多年,我國(guó)的進(jìn)出口總額從1978年的206億美元快速增長(zhǎng)到了2010年的29727.6億美元。2010年進(jìn)出口總額比2009年增長(zhǎng)了34.7%,其中出口總額15779.3億美元,增長(zhǎng)了31.3%；進(jìn)口總額13948.3億美元,增長(zhǎng)了38.7%。我國(guó)自2001年加入WTO以后,對(duì)外經(jīng)濟(jì)一直保持高速發(fā)展。 國(guó)際貿(mào)易融資是以國(guó)際結(jié)算為基礎(chǔ)的,而國(guó)際結(jié)算又與對(duì)外貿(mào)易的發(fā)展緊密相連。與傳統(tǒng)的信貸業(yè)務(wù)相比,國(guó)際貿(mào)易融資業(yè)務(wù)具有低風(fēng)險(xiǎn)、高收益、期限短的特點(diǎn),備受銀行的關(guān)注。尤其是08年金融危機(jī)之后,一方面,客戶(hù)對(duì)銀行國(guó)際貿(mào)易融資的要求更高,不僅需要融通資金,還需要提供資金保值、增值的服務(wù),這樣,具有單一特性的傳統(tǒng)的國(guó)際貿(mào)易融資產(chǎn)品有時(shí)候已經(jīng)不能滿(mǎn)足客戶(hù)的需求；另一方面,隨著時(shí)間的推移,中國(guó)金融領(lǐng)域的不斷開(kāi)放,外資金融機(jī)構(gòu)的不斷涌入,中資銀行單純依靠發(fā)放人民幣貸款來(lái)盈利的空間越來(lái)越小。因此,商業(yè)銀行需要在傳統(tǒng)的國(guó)際貿(mào)易融資產(chǎn)品的基礎(chǔ)上不斷地創(chuàng)新融資品種,根據(jù)客戶(hù)的實(shí)際需求提供產(chǎn)品支持,以謀求新的利潤(rùn)增長(zhǎng)點(diǎn),更好地適應(yīng)競(jìng)爭(zhēng)激烈的金融領(lǐng)域,在客戶(hù)的爭(zhēng)奪戰(zhàn)中取得一席之地,保持繼而擴(kuò)大本行的國(guó)際業(yè)務(wù)市場(chǎng)占比。 一個(gè)國(guó)家的金融發(fā)展是經(jīng)濟(jì)發(fā)展的命脈,而銀行這個(gè)重要的金融機(jī)構(gòu)也承擔(dān)著巨大的風(fēng)險(xiǎn)。國(guó)際貿(mào)易融資越來(lái)越受到銀行的青睞,成為發(fā)展的重點(diǎn)領(lǐng)域。但是收益與風(fēng)險(xiǎn)是并存的,國(guó)際貿(mào)易融資業(yè)務(wù)從本質(zhì)上來(lái)說(shuō)也是貸款,同時(shí)每一種融資產(chǎn)品都是依賴(lài)于一個(gè)基礎(chǔ)的結(jié)算方式而產(chǎn)生的,因此,國(guó)際貿(mào)易融資業(yè)務(wù)除了面臨著貸款業(yè)務(wù)固有的一些共性風(fēng)險(xiǎn)之外,還要解決融資產(chǎn)品設(shè)計(jì)本身的特有風(fēng)險(xiǎn)。那么,如何能在保持高收益的情況下更好地控制風(fēng)險(xiǎn),做到安全性和贏(yíng)利性的合理結(jié)合,也是我們需要研究的課題。 本篇論文分為五個(gè)部分： 第一章是緒論,提出了本文的選題目的與意義,本文的主要研究方法,本文主要章節(jié)的內(nèi)容。 第二章首先介紹了國(guó)際貿(mào)易融資的產(chǎn)生與發(fā)展,概括了國(guó)際貿(mào)易融資比較流行的幾種理論,貿(mào)易融資風(fēng)險(xiǎn)控制的理論與方法。然后通過(guò)圖表的方式闡述了我國(guó)近十年來(lái)對(duì)外貿(mào)易的發(fā)展情況,繼而具體分析了以對(duì)外貿(mào)易發(fā)展為基礎(chǔ)的我國(guó)國(guó)際貿(mào)易融資的發(fā)展情況。 第三章通過(guò)圖表的方式分析了工商銀行國(guó)際貿(mào)易融資的基本情況,歸納總結(jié)了我行傳統(tǒng)的進(jìn)出口主要國(guó)際貿(mào)易融資產(chǎn)品以及我行在國(guó)際貿(mào)易融資業(yè)務(wù)中存在的問(wèn)題。 第四章是通過(guò)案例分析的方式分析了我行近年來(lái)新開(kāi)發(fā)的進(jìn)出口國(guó)際貿(mào)易融資產(chǎn)品的適用性及相應(yīng)的風(fēng)險(xiǎn)防范措施。 第五章主要分析了商業(yè)銀行的風(fēng)險(xiǎn),國(guó)際貿(mào)易融資業(yè)務(wù)的風(fēng)險(xiǎn),并且針對(duì)具體的國(guó)際貿(mào)易融資產(chǎn)品提出了風(fēng)險(xiǎn)控制方案。最后提出了總結(jié)性的風(fēng)險(xiǎn)控制建議。 本文通過(guò)大量的圖表、案例分析來(lái)說(shuō)明論題,將在工作中實(shí)際遇到的問(wèn)題歸納總結(jié)到理論的高度。梳理了我行傳統(tǒng)的國(guó)際貿(mào)易融資產(chǎn)品及近年來(lái)為滿(mǎn)足市場(chǎng)變化和客戶(hù)需求新開(kāi)發(fā)的國(guó)際貿(mào)易融資產(chǎn)品的特點(diǎn)和適用性。當(dāng)然,在創(chuàng)新的同時(shí),銀行應(yīng)更加注意風(fēng)險(xiǎn)管理,用科學(xué)系統(tǒng)的方法來(lái)控制國(guó)際貿(mào)易融資風(fēng)險(xiǎn),促使銀行國(guó)際業(yè)務(wù)更快、更好地發(fā)展。
[Abstract]:After thirty years of reform and opening up, the total import and export of our country has increased rapidly from $20 billion 600 million in 1978 to 2 trillion and 972 billion 760 million US dollars in 2010, and the total import and export volume in.2010 increased by 34.7% compared with 2009, of which the total export volume was 1 trillion and 577 billion 930 million dollars, up 31.3%, and the total import was 1 trillion and 394 billion 830 million US dollars, increasing 38.7%. since 2001 joining WTO, The external economy has been developing at a high speed.
International trade financing is based on international settlement, and international settlement is closely connected with the development of foreign trade. Compared with the traditional credit business, international trade financing business has the characteristics of low risk, high income and short term, which has attracted the attention of the bank. Especially after the financial crisis of 08, on the one hand, the customers' international trade in the bank is melted. The demand for capital is higher, not only to finance the financing, but also to provide funds and value-added services. In this way, the traditional international trade financing products with a single characteristic can not meet the needs of the customers; on the other hand, with the passage of time, the financial sector in China is constantly open and the foreign financial institutions are constantly pouring in, Therefore, the commercial banks need to innovate the financing variety on the basis of the traditional international trade financing products and provide product support according to the actual needs of the customers in order to seek new profit growth points and better adapt to the fierce competition in the financial field, We will gain a foothold in the competition for customers and keep expanding our international business market.
The financial development of a country is the lifeblood of the economic development, and the important financial institutions of the bank are also taking great risks. International trade financing is becoming more and more popular in the bank, and it has become the key area of development. However, the income and risk are coexisting, and the international trade financing industry is also a loan in essence, at the same time, each kind of financing is also a kind of loan. The financing products are based on a basic settlement, so the international trade financing business is not only faced with some common risks inherent in the loan business, but also solves the unique risk of the design of the financing products. The reasonable combination of profit is also a topic we need to study.
This paper is divided into five parts:
The first chapter is the introduction, which puts forward the purpose and significance of this topic, the main research methods, and the main chapters of this article.
The second chapter first introduces the emergence and development of international trade financing, summarizes several popular theories of international trade financing, the theory and method of trade financing risk control, and then illustrates the development of foreign trade in China in the past ten years through a chart, and then analyzes the development of foreign trade based on the development of foreign trade based on me. The development of international trade financing in China.
The third chapter analyzes the basic situation of international trade financing of industrial and commercial banks through the chart, summarizes the traditional import and export of the main international trade financing products and our bank in the international trade financing business problems.
The fourth chapter analyzes the applicability of the newly developed import and export international trade financing products and the corresponding risk prevention measures in recent years through the case analysis.
The fifth chapter mainly analyzes the risk of commercial banks, the risk of international trade financing, and puts forward the risk control scheme for the specific international trade financing products. Finally, it puts forward the summary of the risk control proposals.
In this paper, a large number of charts and case studies are used to illustrate the topics and the problems encountered in the work are summed up to the height of the theory. The characteristics and applicability of the traditional international trade financing products and the international trade financing products developed in recent years to meet the market changes and customer needs have been combed. Banks should pay more attention to risk management, control the risks of international trade financing scientifically and systematically, and promote the international business of banks to develop faster and better.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.33

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