分类号： 学校代码：10426
密级： 学号 ： f401807035
专 业硕士 学位论文
PROFESSIONAL MASTER DEGREETHESIS
中国农业银行 RZ分行中小企业贸易融资
风险管理研究
作 者 ： 孟源园
指导教师 ： 刘 伟
学科专业 ：工商管理
专业代码 ： 125100
研究方向 ： 金融与财务管理
2021 年 6 月 10 日 中国农业银行 RZ 分行中小企业贸易
融资风险管理研究
学位论文完成日期：
指导教师签字：
答辩委员会成员签字：中国农业银行 RZ 分行中小企业贸易融资风险管理研究
摘要
伴随着中国经济飞速的向前发展，中小型企业在全球贸易中获得了迅猛的发展，
获得了很多骄人的成就，对中国经济的提升产生了十分有力的推动作用。虽然最近
这几年中国为了推动中小企业能够尽快的成长起来颁布了多项支持性政策，可是中
小型企业的贸易融资问题依然没有得到有效的解决，对于企业的发展产生了极大的
负面影响。对于中小型企业而言，贸易融资同其他的信贷方式相比，快速便捷，融
资成本更低。此外，中国加入世贸组织之后许多优质的外资银行开始积极的对中国
市场进行开发，大量的新生商业银行如雨后春笋般涌现，中国信贷市场可开发的空
间急速的降低，商业银行的市场竞争日趋激烈。各家商业银行怎样在市场竞争中掌
握竞争的先机，对经营渠道进行拓展，在众多竞争者中脱颖而出，成为了专家和企
业重点研究的课题。商业银行在对业务市场进行开发和拓展的过程中，都将目光锁
定了贸易融资行业，通过对贸易融资的开发对商业银行的经营模式进行优化会产生
十分积极的影响作用。
本文对国内外各项理论成果进行了大规模的查阅和梳理，利用科学、合理的分
析方法，将中国农业银行RZ 分行作为研究实例，对于现阶段这一银行中小企业贸
易融资风险的管理情况进行分析，对于银行中小企业贸易融资过程中所遇到的各项
问题实施系统性的研究，本文利用合理的方法对中国农业银行 RZ 分行的风险实施
评估，组建了相关的风险评价模型，并通过此模型为中国农业银行RZ 分行的风险
管理制定了针对性的解决措施，让中国农业银行 RZ 分行中小企业贸易风险管理产
生了十分积极的促进作用。
关键词：商业银行 中小企业贸易融资风险管理 RESEARCH ON TRADEFINANCING RISK
MANAGEMENT OF SMALL AND MEDIUMSIZED
ENTERPRISES IN RZ BRANCHOF AGRICULTURAL
BANK OF CHINA
ABSTRACT
With the rapid development of China;s economy, small and medium-sized enterprises
(SMEs) have achieved rapid development in Global trade and made many remarkable
achievements, which has played a very powerful role in promoting China;s economy.
However, in recent years, in order to promote the growth of SMEs as soon as possible,
China has issued a number of supportive policies, However, the trade financing problem
of small and medium-sized enterprises has not been effectively solved, which has a great
negative impact on the development of enterprises. For small and medium-sized
enterprises, compared with other credit methods, trade financing is very fast and
convenient, and the financing cost is lower. In addition, after China;s accession to the
WTO, many high-quality foreign banks began to actively develop the Chinese market, a
large number of new commercial banks have sprung up, China;s credit market can be
developed rapidly reduced, the market competition of commercial banks is becoming
increasingly fierce. How each commercial bank grasps the competitive opportunity in the
market competition, carries on the expansion to the management channel, stands out in
the multitudinous competitor, has become the expert and the enterprise key research topic.
In the process of developing and expanding the business market, commercial banks focus
on the trade financing industry. The development of trade financing will have a very
positive impact on the optimization of the business model of commercial banks.
Based on a large-scale review and carding of various theoretical achievements at
home and abroad, this paper takes RZ branch of Agricultural Bank of China as an
example to analyze the risk management of trade financing of small and medium-sized
enterprises in this bank at the present stage, and systematically studies the problems
encountered in the process of trade financing of small and medium-sized enterprises, This
paper uses a reasonable method to evaluate the risk of Agricultural Bank of China RZ
branch, establishes a relevant risk evaluation model, and through this model, formulatestargeted solutions for the risk management of Agricultural Bank of China RZ branch,
which has a very positive role in promoting the trade risk management of small and
medium-sized enterprises in agricultural Bank of China RZ branch.
KEY WORDS：Commercialbanks; SMEs; Trade financing; Risk management
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