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作为服务“三农”的政策性银行——中国农业发展银行（以下简称“农发行”）
所支持客户群体以及银行职能定位与其他商业银行有所不同，因此其在国际贸易融资
风险管理中各个环节的侧重点具有一定的特殊性，加之农发行国际业务起步较晚，国
际贸易融资业务经验尚浅，风险管理方面漏洞层出。因此专门研究农发行国际贸易融
资风险管理问题，深化风险管理理念，提高风险防范能力，具有较强的现实意义
本文共包含五部分内容，首先阐述了整篇论文的研究目的和意义，国内外研究现
状和问题以及使用的研究方法。接着介绍了农发行国际贸易融资业务发展和管理现
状，总结归纳出农发行开展贸易融资业务存在的四大问题。然后将要点定位在对农发
行贸易融资业务风险管理的分析上，通过对贸易融资风险种类的探究，从内部原因和
外部原因两方面进行归纳总结，分析出其管理风险的成因，针对农发行几种主要贸易
融资产品的风险进行了剖析，并运用 RORAC 模型对风险进行度量。最后，针对目前农
发行贸易融资风险问题和根源，提出加强风险管理的建设性意见，以期深化贸易融资
风险管理理念、强化贸易融资业务风险管理防范能力、提升农发行贸易融资业务的核
心竞争力
关键字：农发行贸易融资风险管理II
ABSTRACT
With the rapid development of foreign trade, the banks in the international business
competition is also increasingly fierce. As a kind of low cost and yield high effective
financing way, international trade financing has become the focal point of contention.
Generally speaking, the risk of international trade financing is lower than the traditional
credit business. The main reason is that it matches real trade. It has the advantages of closed
operation, short time, stable upstream and downstream supply chain, source of repayment,
easy to control the use of bank funds and so on. In recent years, the amount and range of
Chinese foreign trade expands rapidly, the main foreign trade expansion to the multi-level,
diversified international trade settlement tools and new business launch, and the
corresponding way of international trade financing is also showing a hitherto unknown
diversity, complexity and specialization, the potential risk is also growing and change.
As the policy bank of provide service for three rural issue -Agricultural
Development Bank of China (hereinafter referred to as the ADBC), because of the
particularity of agricultural policy bank function particularity, the particularity of the
support of customer groups, and the special of the system operation mechanism, the various
links in the risk management of international trade financing in the focus and other
commercial banks are different. The international business of ADBC started late and
developed slowly, at present, the risk awareness is weak and the experience is insufficient.
So the special research on the risk management in international trade financing of ADBC
has a strong practical significance for deepening the concept of risk management and
improve the risk prevention capacity.
This paper consists of five parts. Firstly, the purpose and significance of the whole
paper, the research status and problems at home and abroad, and the research methods are
introduced. Then the paper introduces the current situation of the development and
management of international trade financing of ADBC, and summarizes the four problems
of the trade financing business. Then the main points in the issue of positioning analysis of
the risk management of trade financing business of ADBC, through investigation of trade
financing risk types, from the two aspects of the internal causes and external causes areIII
summarized, analyzed the causes of the risk management, the risk of several agricultural
issues the main trade financing products are analyzed, and the application of RORAC
model measure of risk. Finally, to resolve the current farming issue of trade financing risk
and causes problems, put forward to strengthen the risk management of constructive
suggestions, in order to deepen the concept of risk management, strengthen trade financing
and trade financing business risk management, enhance the ability to prevent bank trade
finance business core competitiveness.
KEYWORDS: ADBC International Trade Financing Business Risk Management目录
摘要........ I
1.3.2研究内容......6
第二章农发行国际贸易融资业务风险管理现状与问题........7
2.1发展现状......7
2.2管理现状......9
2.3存在的问题10
2.3.1业务范围受限，优质客户群欠缺......10
2.3.2风险防控体系建设不完善........10
2.3.3贷后管理参照政策性贷款模式，缺乏针对性.......11
2.3.4缺乏高素质的复合型人才........12
第三章农发行国际贸易融资业务风险管理分析........13
3.1风险种类....13
3.2主要业务品种风险剖析.15
3.2.1减免保证金开证..16
3.2.2提货担保....17
3.2.3进口押汇....18
3.2.4打包放款
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