本文主要介绍“代付达”业务产生的背景、“代付达”业务的优势、中国
银行黑龙江省分行“代付达”业务操作流程、中国银行黑龙江省分行“代付
达”业务所存在的风险及解决对策，以及中国银行黑龙江省分行“代付达”
业务的推广。本文通过贸易融资客户在我行办理的代付达业务应用案例分析，
体现出了代付达业务与传统的贸易融资业务相比的优势所在，对于代付达业
务的推广有一定的指导作用。本文的意义在于，在看到中国银行黑龙江省分
行的国际贸易融资业务取得很大发展的同时，也应该看到业务发展中所存在
的问题。通过对于“代付达”业务的研究，认识到发展贸易融资业务对于企
业和中国银行黑龙江省分行所具有的重要的意义。
关键词：代付达业务；贸易融资；风险控制哈尔滨工业大学工商管理硕士学位论文
Abstract
Due to the impact of the continued appreciation of the RMB, enterprises
generally reduce the foreign exchange deposit amount. The bank cannot by
absorbing deposits of enterprises to expand the sources of foreign exchang e. The
size of bank credit seriously squeezed, financing costs continue to rise. At
present, foreign financial market, one side is the continued appreciation of the
renminbi is expected, one side is the foreign exchange liquidity in the
increasingly tense, resulting in import and export enterprises to retain the RMB,
late payment of foreign exchange, cash in the exchange differences demand. In
this case, how to meet customer demand for funds in international settlement has
become a problem. There is no method that satisfy both sides, so that enterprises
can enjoy the benefits of RMB appreciation, and not spend high price to buy
foreign exchange.In 2011, Chinese banks take advantage of their overseas
institutions numerous advantages, the launch of a new financing products -
paying up to. The introduction of this business, the domestic branch of the
Bank of China can take advantage of overseas banks to meet the financing needs
of enterprises within the territory of the import, domestic bank foreign exchange
position tension crack the dilemma.
This paper mainly introduces the paying up to business background,
paying up to business advantages, Chinese banks paying up to business
operation process, paying up to business problems and solutions, as well as
paying up to business. Analysis the pay of business application in our bank for
the generation of the trade financing customer case, reflects the advantage of
paying for business and traditional trade financing compared, have certain
guiding role for the promotion of paying for business.The significance of this
paper is, after seeing Chinese bank's international trade financing business has
achieved great development at the same time, also should see the existence of
problems in business development. Through study on paying up to business, to
realize the development of trade financing for enterprises and Chinese bank has
important significance.
Keywords: paying up to, trade finance, risk control
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