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MBA毕业论文_银行济宁分行国际贸易融资风险管理研究PDF

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国际贸易融资业务因其融资期限短、自偿性、贸易企业需求量大的诸多优点逐步成为 商业银行扩大客群规模、增加中间业务收入的主要途径。但同时国际贸易融资业务的开展 过程中也必将面临着一定的风险,如市场风险、企业的违约风险等,以上风险要素极有可 能给银行造成资金损失;另一方面国际贸易融资的风险也来自于银行内部,包括从业人员 风险管理意识和能力欠缺、风险管理体系不健全等。正确识别国际贸易融资的风险点,并 对风险进行评估与管控,是商业银行推动国际贸易融资业务健康长久发展的基础与保障。 G银行济宁分行作为济宁当地最早一批开展国际贸易融资业务的银行,不断创新国际贸易 融资产品为济宁当地企业提供了高质量的金融服务,多年处于济宁当地股份制银行国际贸 易融资业务的龙头,但是随着国内经济下行以及济宁当地机械、造纸等行业的转型压力加 之“青岛港”事件的影响,如何进行有效的国际贸易融资风险管理成为实现国际贸易融资 业务持续发展的重要课题。 将G银行济宁分行国际贸易融资业务作为研究对象,首先对国际贸易融资和风险相关 概念以及国际贸易融资业务相关理论进行了综述分析,同时以理论为指导,分析G银行济 宁分行国际贸易融资现状。其次通过与作者实践相结合,文章剖析了目前包括风险管理体 系不健全、风险识别有待提高、风险评估技术落后以及风险控制能力薄弱等问题在内的对 国际贸易融资进行风险管理的实践中存在的一系列问题。 鉴于存在前述问题,文章通过借鉴国内外商业银行国际贸易融资风险管理方面的先进 管理方案,给出了针对国际贸易融资风险管理体系、风险识别、风险控制以及国际贸易融 资产品创新等方面的改进措施与方案。 关键词:G银行济宁分行 国际贸易融资 风险分析 II Abstract International trade financing service, with advantages including short time cost, self-liquidating and massive demand, has become an important channel to increase clients and intermediary service profit for commercial banks. However, there also exist some risks in developing financing service, such as risks in market and industry and firm credit risks, which will bring money loss for commercial banks. These risks on the other hand, many come from internal side, such as the staffs incapability and the defective system of risk management and the imperfect risk lifting measures, any of which could put a hidden trouble for international trade financing. Accurately identifying the risks as well as evaluating and controlling them is the basis and guard to ensure a sound and lasting development of them commercial banks’ international trade financing, Jining Branch of G bank is one of the earliest bank developing international trade financing service in Jining. It has maintained a leading position in local international trade financing service for years with the continuous product innovation and quality financial service. However, along with domestic economic downturn, as well as the transition pressure of machinery and paper industry in Jining, especially with the influence of the "Qingdao Port" incident, it has become a fundamental issue how we can carry out effective risk management of international trade financing in order to maintain a sustainable development. This thesis has researched the international trade financing business in Jining branch of G bank, starting from a literature review about relevant concepts of international trade financing and risks and relevant theories of financing business as well as a business introduction in Jining branch. Combined with our practice, this thesis analyzes a variety of factors existing in the practice of risk management, such as imperfect risk management system, unimproved risk identification, backward risk assessment technology and weak risk control ability. Considering these mentioned problems, this thesis has proposed some improvement measures and plans regarding to risk management system, risk identification, risk control and products innovation by referencing advanced experience of international trade financing in domestic and overseas commercial banks. Key words : Jining Branch of G bank, International trade financing, Risk analysis, Risk III management. 目录 内容摘要 ..................................................... I ABSTRACT ................................................. II 第1章 绪论 .................................................. 1 1.1 研究背景与意义 .............................................. 1 1.1.1研究背景 ....................................................... 1 1.1.2 研究意义 ....................................................... 1 1.2 文献综述 .......................................................... 2 1.2.1 国外研究综述 ................................................... 2 1.2.2 国内研究综述 ................................................... 3 1.2.3 研究述评 ....................................................... 4 1.3研究内容与方法 .................................................... 5 1.3.1 研究内容 ....................................................... 5 1.3.2 研究方法 ....................................................... 5 1.4 研究的创新点与不足 ................................................ 6 1.4.1 研究的创新点 ................................................... 6 1.4.2 研究的不足 ..................................................... 6 第2章 概念及理论基础 ........................................ 7 2.1 国际贸易融资风险划分 .............................................. 7 2.1.1 信用风险 ....................................................... 7 2.1.2 操作风险 ...................................................... 7 2.1.3 市场风险 ....................................................... 7 2.2风险管理理论 ...................................................... 7 2.2.1 全面风险管理理论 ............................................... 7 2.2.2 信息不对称理论 ................................................. 8 2.2.3 经济资本管理理论 ............................................... 8 第3章 G银行济宁分行国际贸易融资风险管理现状 ................ 10 3.1 G银行济宁分行国际贸易融资业务发展概况 ........................... 10 3.1.1 G银行济宁分行国际业务组织架构 ................................ 10 3.1.2 G银行国际贸易融资业务品种 .................................... 10 3.1.3 G银行济宁分行国际业务规模及经营成果 .......................... 12 3.2 G银行济宁分行国际贸易融资风险管理现状 ........................... 13 3.2.1 G银行济宁分行风险管理组织架构 ................................ 13 3.2.2 G银行济宁分行国际贸易融资业务审批流程 ........................ 13 3.2.3 G银行济宁分行贸易融资风险管理现有措施及效果 .................. 15 3.3 G银行济宁分行国际贸易融资风险管理问题分析 ....................... 18 3.3.1国际贸易融资风险管理体系不健全 ................................ 18 3.3.2国际贸易融资风险识别能力有待提高 .............................. 20 3.3.3国际贸易融资风险评估不合理 .................................... 20 3.3.4国际贸易融资风险控制能力薄弱 .................................. 22 第4章 国内外银行国际贸易融资风险管理经验 ................... 24 4.1 国外银行贸易融资风险管理现状 ..................................... 24 4.1.1 风险管理体系方面风险管理现状 .................................. 24 4.1.2 风险识别方面风险管理现状 ...................................... 25 4.1.3 风险控制方面风险管理现状 ...................................... 25 4.1.4 风险预警方面风险管理现状 ...................................... 26 4.2国内商业银行国际贸易融资管理现状 ................................. 26 4.2.1 风险管理体系方面风险管理现状 .................................. 26 4.2.2 风险识别方面风险管理现状 ...................................... 27 4.2.3 风险控制方面风险管理现状 ...................................... 27 4.2.4 风险预警方面风险管理现状 ...................................... 28 4.3 国内外银行风险管理经验启示 ....................................... 28 4.3.1 重视风险管理体系建设 .......................................... 28 4.3.2 科学的风险识别方法和技术 ...................................... 29 4.3.3 有效的风险控制 ................................................ 29 4.3.4 注重风险预警机制建立 .......................................... 29 第5章 G银行济宁分行国际贸易融资风险管理优化的对策及建议 .. 30 5.1 健全国际贸易融资风险管理体系 ..................................... 30 5.1.1 建立“铁三角”国际贸易融资风险管理