但是于此同时，国际国内的环境也在不断的发生着改变。一方面，市场的变化以及客
户需求的改变都对银行的国际贸易融资产品提出了更高的要求，传统的国际贸易融资
产品已无法满足客户的投融资需要；另一方面，随着我国经济的高速发展，外资商业
银行在华业务不断深入，国内银行也纷纷增设分支机构来占领市场，面对业务和管理
更为完善的外资银行，国内商业银行需要找到业务发展新的方向和利润新的增长点

因此，国际贸易融资创新刻不容缓。近年来，在国际贸易融资创新上我国的商业银行
也做了很多积极有益的尝试，取得了一定的成效，但总体看，我国商业银行国际贸易
融资创新还存在很多不足和问题，要想真正的取得国际贸易融资业务的发展，只有从
理论和实务上对国际贸易融资创新进行深入全面的研究，结合当前经济和市场发展趋
势进行创新空间和方向的探索，在商业银行转型升级的同时不断提高对市场主体的资
金支持能力，促进我国涉外经济的发展，这也是本文的宗旨所在

笔者多年来工作于商业银行分行国际业务部门，对我国商业银行外汇业务及国家
外汇管理政策有较为深入的认识。本文以金融创新和国际贸易融资相关理论为指导，
描述了我国商业银行国际贸易融资创新的发展现状，说明了对国际贸易融资业务进行
创新的必要性。在分析了我国商业银行目前国际贸易融资创新业务上存在的问题和原
因之后，提出了在当前形势下我国商业银行国际贸易融资创新的策略选择，主要包括
业务发展理念的创新、产品的创新、市场的创新和制度的创新。最后又提出了发展国
际贸易融资创新业务的保障措施，来更好地实现商业银行的贸易融资创新方案，使这
些方案措施真正的落到实处

关键词：商业银行 国际贸易融资 创新 策略选择 保障措施
作 者：邹 蕴
指导老师：袁建新英文摘要 我国商业银行国际贸易融资创新研究
II
Study on Trade Finance Service Innovation of
China Commercial Bank
Abstract
As the economic internationalization is increasing and China became a member of
WTO, the import and export trade has developed rapidly in China. The import and export
trade not only contributes to the national economy growth, but also exploits a wider market
for the trade financing of banks. But when the foreign trade develops rapidly, the
international and domestic environment has been changing. In this case, on the one hand,
the traditional trade financing product in banks cannot adapt to the change of the market,
and the changes of customer needs also put forward higher requirements on the trade
financing services of banks; on the other hand, with the rapid development of China’s
economy and the deepening of the foreign commercial banks in China, domestic banks
have also set up branches to occupy the market, and China’s banking is facing more intense
competition, so domestic commercial banks also need to take the initiative to improve their
business innovation ability, so as to strive for more profit space. Therefore, it is urgent to
innovate on international trade financing. In recent years, many domestic commercial
banks have attempted and explored how to effectively carry out innovation of the
international trade financing business, and have made a lot of achievements. But from a
general view, there are still many problems in the international trade financing of Chinese
commercial banks. In order to truly achieve development of the international trade
financing business, the trade financing should be comprehensively studied in the theory
and practice, and the innovation of the international trade financing business should be
carried out effectively, which can better support the development of China’s import and
export, and help domestic commercial banks to change to international commercial banks.
This is also the purpose of the paper.
With the author’s many years of work experience in the international business
department of the commercial bank, the author have a good master of international
business and the regulation on foreign exchange control of our country. Guided by the
theories related to financial innovation and international trade financing, the paper我国商业银行国际贸易融资创新研究 英文摘要
III
describes the status for the development of international trade financing in China’s
commercial banks, and illustrates the necessity of innovation of the international trade
financing business. After the analysis of the existing problems in innovation of the
international trade financing business in commercial banks of China and the reasons, the
paper puts forward countermeasures for international trade financing innovation in
commercial banks, including the innovation of the business development concept, product
innovation, market innovation and institutional innovation. At last, the paper puts forward
the safeguard measures for the development of international trade financing innovation to
better realize the trade financing innovation plans of commercial banks and put the plans
and measures into practice.
Key words: Commercial bank; international trade financing; innovation; innovation
countermeasure; safeguard measure
Written by: Zou Yun
Supervisedby: Yuan Jianxin目 录
一、绪 论 ...1
1.1 选题背景及意义 ..........1
1.1.1 选题的背景1
1.1.2 研究意义....1
1.2 研究对象及方法 ..........3
1.2.1 研究思路和方法....3
1.2.2 本文的创新点与不足........3
二、相关理论和文献综述 ...4
2.1 相关理论概述 .4
2.1.1 金融创新理论概述...........4
2.1.2 国际贸易融资创新理论概述.......5
2.2 国内外文献综述 ..........8
2.2.1 国内文献综述.......8
2.2.2 国外文献综述.......9
三、我国商业银行国际贸易融资创新现状和特点.........11
3.1 我国商业银行国际贸易融资创新的现状 ... 11
3.1.1 我国商业银行国际贸易融资创新的发展.......... 11
3.1.2 我国商业银行国际贸易融资创新的现状.........13
3.2 我国商业银行国际贸易融资创新的特点 ...15
3.2.1 授信管理方式愈加灵活.15
3.2.2 兼顾进口贸易融资和出口贸易融资......16
3.2.3 从提供资金到提供信用.16
3.2.4 产品具备高度的联动性.16
四、我国商业银行国际贸易融资创新的问题.....18
4.1 在产品系列上存在的问题 ...18
4.1.1 产品同质化严重.184.1.2 产品功能不全面.19
4.1.3 产品适应性不足.19
4.2 在创新发展方向上存在的问题 ........20
4.2.1 创新应用偏离产品内涵..20
4.2.2 对中小企业支持度不够.21
4.3 在创新业务的管理上存在的问题 ....22
4.3.1 创新业务推广不彻底......22
4.3.2 业务缺乏自主创新能力..23
五、影响我国商业银行国际贸易融资创新的原因分析.24
5.1 外部原因 ........24
5.1.1 当前实体经济疲软..........24
5.1.2 外部监管要求趋严..........24
5.1.3 相关法律制度不完善......25
5.1.4 市场主体良莠不齐.........25
5.2 内部原因 .......26
5.2.1 我国商业银行国际贸易融资创新人才匮乏......26
5.2.2 我国商业银行国际贸易融资创新的信息技术支撑不够.........27
5.2.3 我国商业银行国际贸易融资创新的风险管理能力不足.........28
六、我国商业银行国际贸易融资创新的策略选择.........29
6.1 国际贸易融资业务理念的创新 .......29
6.1.1 树立差异化发展的理念..29
6.1.2 树立本外币一体化发展的理念.30
6.2 国际贸易融资业务的产品创新 ........32
6.2.1 产品优化.32
6.2.2 产品组合..33
6.3 国际贸易融资业务的市场创新 .......35
6.3.1 从大中型企业向中小（微）企业发展..35
6.3.2 从境内普通企业向自贸区企业发展......36
6.3.3 从实体企业向跨境电商企业发展..........376.3.4 从国际市场向国际国内市场共同发展..39
6.4 国际贸易融资业务的制度创新 .......40
6.4.1 创新内部贸易融资机构组织体系..........40
6.4.2 创新贸易融资客户管理制度.....41
七、我国商业银行国际贸易融资创新的保障措施.........42
7.1 从政府层面 ...42
7.1.1 加强法律制度和规章建设.........42
7.1.2 加强虚假贸易融资打击力度.....42
7.2 从银行层面 ...42
7.2.1 加强人才队伍建设.........42
7.2.2 加强风险控制能力.........43
7.2.3 加强技术支持能力.........45
7.2.4 增强自主创新的知识产权保护.46
结论与展望 .48
参考文献 .....49
致 谢 .....51我国商业银行国际贸易融资创新研究 一、绪 论一、绪 论
1.1 选题背景及意义
1.1.1 选题的背景
当今银行业面临着越来越大的同业竞争压力的同时，银行产品存在着极大的趋同
性，产品定位不明确，产品更新缓慢，市场适应度较差。随着利率市场化的推进，面
对市场主体越来越个性化的产品需求和越来越强的议价能力，银行的获利空间进一步
被挤压，银行迫切需要加快转型升级，加强产品创新能力，在日益激烈的市场竞争中
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