本文主体共分为四章。第一章是本文研究的背景及意义，国内外研究现
状，研究内容与方法，技术路线图。第二章主要针对汇率制度理论、国际借
贷理论以及国际贸易融资理论进行了相关理论的阐述。并对商业银行国际贸
易融资产品进行了分析，商业银行的主要国际贸易融资产品有打包贷款、出
口押汇、福费廷，进口押汇等。第三章则针对人民币升值背景下的交通银行
发展结构贸易融资产品的特点，必要性及其注意事项进行了分析，第四章对
交通银行开展结构贸易融资业务的案例进行了相关分析并提出了相关的对
策。与国内商业银行相比，交通银行规模大，实力强，有着较强的竞争力，
但也面临着国内商业银行的激烈竞争，特别是许多规模和实力不及交行的商
业银行，由于善于把握市场，积极创新，也取得了非常好的市场效益和市场
份额。同时，在各方面都具有强大竞争力的外资银行也给交通银行的发展带
来了竞争压力交通银行只有通过不断的完善组织架构和管理水平，进行技术
和服务创新，提升员工素质，加强风险管控能力，才能在人民币升值的大背
景下，在结构贸易融资业务领域获得更大的收益。
关键词：人民币升值；国际贸易融资；商业银行
Abstract
At the background of economic globalization and appreciation of RMB , Our
country’s commercial banks were influenced deeply, the innovation for the
exchange rate of the RMB brought many chance as well as challenges. The loan
businesses of the global combination, consumer loans were increased stably and
positively. But the appreciation of RMB had some passive influence for many
firms, specially the bank which paid very attention to the international trade
finance. Packing loan, export bills were easily pushed commercial bank into risk.
This paper wants to research the suggestion for the commercial bank t o deal with
these problems.
The main body of this paper is dividend to four sections. The first section of
this paper is the background and sense, the recent researching of related theories,
researching content and method, technology roadmap. The second section will
explain the exchange rate policy theory, theory of international lending, and
international trade finance. The third section will analyze the function and sense ,
and recent situation of the international trade finance, which includes domestic
and abroad. The fourth section will discuss the tactics used in the businesses in
the international trade finance at the background of appreciation of RMB.
Besides the problem, this paper issues some tactics according to the problems
and the actual situation of Jiao tong bank. Compare with other domestic
commercial banks, bank of communication has the advantages of larger scale,
stronger, overall, this bank has a strong competence. However, there are still
exist competence among the domestic commercial banks, some commercial
banks that have a less scale and competence are good at analyzing the market
information, as well as innovating. So they have a good market efficiency and
market share. What is more, there is also an other competence from the foreign
bank, which has strong competence in the every fact. Bank of communication
should improve the organizational structure and management, promote its
technology and innovative service level, strengthen the intensity of risk
management, and improve the quality of staff. Then bank of communication
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