摘 要
近年来，伴随着新疆对外贸易的快速发展，建行新疆分行外汇业务取得长足
发展，经营业绩、利润创造、同业排名均取得较好成绩，已成为该行的的战略性
业务。贸易融资作为外汇业务的发展引擎，不但可带动国际结算、结售汇、外汇
资金业务的发展，同时能够有效拓展中小客户群体、优化信贷结构、规避信贷风
险、提升综合竞争能力。国际贸易融资业务在国内商业银行业务中属于较专业、
了解人员较少的一项业务，对于贸易融资业务的风险偏好不同决定了业务发展的
思路和举措。同时，对贸易融资业务风险控制水平的不同决定了各行业务经营状
况的不同。在贸易融资业务发展中，有效的风险控制和防范水平是业务发展的重
要保证。因此，进一步加强对建行新疆分行贸易融资业务的风险分析，结合区域
市场状况，研究制定针对性的风险防范对策和建议具有一定的现实意义。

本文从新疆对外贸易的现状出发，以建行新疆分行贸易融资业务为研究对
象，通过分析新疆对外贸易的特点以及建行新疆分行贸易融资业务风险防范现
状，梳理出区域经济环境下银行贸易融资业务发展的新趋势，并对远期信用证项
下叙做贸易融资、大宗商品进口融资、引疆模式项下融资三类高风险业务进行风
险点分析，在交易风险管理的理念指导下提出针对性的风险防范对策。同时，通
过对建行新疆分行贸易融资业务风险防范现状的分析，着眼于未来贸易融资业务
的健康持续发展，提出树立科学的风险防范意识、建立因地制宜的内控措施、提
高专业化管理水平、加强与中介机构合作，加大人才培养和储备，严格落实过程
管理等切实可行的建议。本文立足于区域市场环境，提出了风险程度较高业务类
型的防范对策，探索了建行新疆分行加强贸易融资业务风险防范的新思路，具有
一定的指导意义。

关键词：国际贸易融资 风险防范 对策研究
Abstract
In recent years, with the rapid development of Xinjiang foreign trade, foreign
exchange business of China Construction Bank Xinjiang Branch made significant
progress, achieved better results in operating results, profit creation and interbank
ranking, foreign exchange business become a strategic business line. As the engine
of foreign exchange business, Trade finance not only be able to spur international
settlement, foreign exchange, foreign exchange funds, business development, at the
same time be able to effectively expand the small and medium-sized customer base,
optimize the credit structure to avoid credit risk, and enhance overall competitiveness.
International trade finance business are more professional in domestic commercial
banking, different business development ideas and initiatives decide by the risk
appetite of the trade finance business. At the same time, different level of the trade
finance business risks control lead to different operating conditions of each bank. In
the trade finance business development, effective risk control and prevention level is
an important guarantee for business development. Therefore, further strengthening
trade finance business risk analysis, combined with regional market conditions,
develop the targeted risk prevention countermeasures and suggestions have some
practical significance.
Based on the current situation of foreign trade of Xinjiang, to the Xinjiang
branch of China Construction Bank trade finance business as the research object,
through the analysis of Xinjiang39;s foreign trade and the characteristics of the Xinjiang
branch of China Construction Bank trade finance risk management present situation,
to tease out the bank trade finance industry in regional economic environment is
provided the new development trend, and long-term letter of credit trade financing,
commodity import financing, in-Xinjiang mode of financing under three kinds of high
risk business risk analysis, under the guidance of transaction risk management
concept is proposed to solve the risk prevention measures. At the same time, throughIII
the analysis of the Xinjiang branch of China Construction Bank trade finance risk
management present situation, and focus on continuous trade financing business
healthy development in the future, this paper puts forward a scientific risk prevention
awareness, the establishment of internal control measures to suit one39;s measures to
local conditions, improve the management level of specialization, strengthen
cooperation with agencies, strengthen personnel training and reserve, strictly
implement the recommendation process management. In this article, based on the
regional market environment, puts forward some countermeasures to prevent the risk
of higher degree of business types, explore the Xinjiang branch of China Construction
Bank39;s new ideas of strengthening risk prevention of the trade financing business,
which has a certain guiding significance.
Key words：International Trade Finance, Risk Prevention, Countermeasures ResearchIV
目 录
摘 要 ..I
Abstract..........II
第一章 绪 论 1
1.1 研究背景和意义 1
1.1.1 研究背景....1
1.1.2 研究意义....2
1.2 研究思路、内容及方法.2
1.2.1 研究思路....2
1.2.2 研究内容....3
1.2.3 研究方法....3
1.3 研究现状3
1.3.1 国外研究现状.........3
1.3.2 国内研究现状.........5
1.3.3 国内外研究综述.....7
第二章 国际贸易融资业务综述 ..........8
2.1 国际贸易融资含义及特点 .........8
2.2 银行国际贸易融资业务概述... 10
2.2.1 贸易融资业务对银行的作用 ....... 10
2.2.2 银行贸易融资业务发展状况及存在问题. 11
2.2.3 银行贸易融资业务发展趋势 ....... 14
2.3 国际贸易融资业务风险分类及理性认识........ 15
2.3.1 国际贸易融资业务风险分类 ....... 15
2.3.2 国际贸易融资业务风险的理性认识........ 17
第三章 建行新疆分行国际贸易融资风险防范现状和存在问题....... 18
3.1 新疆进出口贸易现状. 18
3.1.1 新疆对外贸易的基本情况.......... 18
3.1.2 新疆对外贸易发展的主要矛盾与问题 .... 22
3.2 建行新疆分行国际贸易融资业务现状 23
3.2.1 建行新疆分行国际业务历史发展脉络 .... 23
3.2.2 建行新疆分行贸易融资业务发展现状 .... 25V
3.3 建行新疆分行贸易融资业务风险防范现状和存在的问题...... 27
3.3.1 业务发展与风险防范的处理关系有待深化......... 28
3.3.2 经营体制与业务流程尚待优化.... 29
3.3.3 业务素质和人员储备有待提高和加强 .... 29
3.3.4 风险防范措施的针对性和适应性有待加强......... 29
3.3.5 分支机构激励约束机制有效性有待加强. 30
第四章 建行新疆分行高风险贸易融资业务风险分析.......... 30
4.1 远期信用证项下叙做贸易融资业务风险分析. 31
4.2 大宗商品进口融资业务风险分析 ....... 33
4.3 引疆模式项下贸易融资业务风险分析 34
第五章 建行新疆分行贸易融资业务风险防范对策研究及建议....... 35
5.1 建行新疆分行国际贸易融资业务风险防范的对策研究.......... 35
5.1.1 远期信用证项下叙做融资业务风险防范对策..... 35
5.1.2 大宗商品进口融资业务风险防范对策 .... 37
5.1.3 引疆模式项下贸易融资业务风险防范对策......... 38
5.1.4 边贸进口项下融资业务风险防范对策 .... 39
5.2 建行新疆分行贸易融资业务风险防范的建议. 40
5.2.1 树立科学的贸易融资业务风险防范意识. 40
5.2.2 建立因地制宜的贸易融资业务风险防范内控制度.......... 40
5.2.3 提高贸易融资专业化管理水平.... 41
5.2.4 加强与中介机构合作防范贸易融资业务风险..... 41
5.2.5 加强贸易融资业务从业人员的培养和储备......... 42
5.2.6 严格落实贸易融资过程管理 ....... 42
第六章 结论和展望.. 43
6.1 主要结论......... 43
6.2 展望.... 44
参考文献....... 45
致 谢 .......... 481
第一章 绪 论
1.1 研究背景和意义
1.1.1 研究背景
贸易融资是服务于国际贸易的金融产品，是指银行向进出口商提供的与国际
贸易相关的短期资金融通或信用便利。在国际贸易领域和银行业务经营中，贸易
融资都具有非常重要的意义。近年来，伴随着我国对外贸易的不断扩大，以及商
业银行经营环境的不断变化，银行国际贸易融资业务取得长足发展，银行贸易融
资业务所创造的利润已成为商业银行利润来源的重要组成部分。从银行业竞争力
评判的角度，此项业务的发达程度与否，已被视为银行国际化、现代化的重要标
志。。。