本文从商业银行风险管理理论出发,在参考国内外理论文献的基础上,介绍
了商业银行操作风险和国际贸易融资业务的基本内容,简单分析了该业务面临的
信用风险、市场风险和操作风险;通过对操作风险管理在国际贸易融资业务风险
管理中重要地位的论证,阐明商业银行发展国际贸易融资业务过程中重视操作风
险管理的必要性;从商业银行内部和外部两个层面出发,针对国际贸易融资业务
流程中的各个风险控制环节,列举了国际贸易融资业务操作风险主要表现形式;
在对现阶段商业银行国际贸易融资业务操作风险管理存在的主要问题,操作风险
成因进行论述的基础上,从风险文化、信贷管理模式、组织结构、业务流程、人
员、管理技术和方法等方面提出完善国际贸易融资业务操作风险管理的对策,以
期为我国的商业银行国际贸易融资业务健康发展提供帮助。
关键词:商业银行 国际贸易融资 操作风险 风险管理
ABSTRACT
With the rapid development of China's international trade, the international trade
financing business of commercial banks has made considerable progress,has been
gaining increasing consideration, and has been titled the top focused financing business.
With the development of international trade financing business of commercial banks,
their requirements of risk control and ability are growing. With the influence of
traditional bank financing management concept, commercial banks tend to focus on the
risk control of credit risk and market risk, but not operational risk of international trade
financing. But, as international trade financing is being increasingly complex and
professional, as well as Chinese Yuan is using across borders which are constantly
expanded, and the innovation of financing also rich increasingly and rapidly,
commercial banks are facing with intensive operational risks on international trade
financing, let alone that trade financing usually has been targeted by criminals for its
unique advantage especially under the tightened flowing situation at this moment, and
that increasingly strict regulatory requirements issued by supervisory bureaus.
Therefore, commercial banks are likely to suffer huge losses without effectively control
of operational risks in international trade financing,.
Based on commercial bank risk management theories of China and abroad,this
article gives brief description of operation risk and international trade financing of
commercial banks, with also simple analysis on credit risk,market risk and operation
risk. This article stresses on the necessity of operation risk management in international
trade financing by commercial banks along with its development, and focuses on the
performance forms of operation risk in the international trade financing process aroused
both from internal and external parts of commercial banks, and offers some helpful
advices for the healthy development of the international trade finance business of
commercial banks in China, on aspects range from risk culture, credit management mode,
organizational structure, business process, personnel, to management technology and
method, by listing the causes of operation risk and the problems of status quo.
KEYWORD: commercial bank international trade financing operational
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