C银行上海分行国际贸易融资业务的风险管理研究——基于“一 带一路”战略背景 摘要 随着我国国际地位的不断提高以及全球经济一体化浪潮的加速推进，我国国际贸易 业务市场也顺应了经济形势的发展稳中求进。“一带一路”战略是由习近平主席于2013 年提出的与欧亚各国创新合作的倡议和构想发展而成。该战略的提出不断释放了与”一 带一路”相关沿线国家的贸易合作潜力，成为拉动我国外贸发展的新动力。国际贸易结 算量的显著增长也为国际贸易融资业务的发展起到了积极的推动作用。由于传统国际贸 易融资业务自身具备周期短，风险低，收益高等特点，成为商业银行长期以来一直争相 布局的业务领域。但与传统贸易融资业务不同，“一带一路”战略在给商业银行国际贸 易融资业务带来巨大机遇的同时也提出了更大的挑战。在“一带一路“战略倡导背景下 商业银行不仅承担着国际贸易客户的信用风险，银行内部的操作风险，标的物的市场风 险，同时也面临着沿线国家的信用风险，法律风险，汇率风险以及国家政治风险等，如 何在发展国际贸易融资业务的同时又能有效管控风险，成为商业银行面临的现实而迫切 的问题。 本文以C商业银行为例，详细介绍了该银行在“一带一路”战略背景下面临的机遇 和挑战，以此为基础分析其在贸易融资业务相关风险管理过程中存在的现实问题并提出 相应的改进措施。从论文结构来说，首先，介绍了选择以“一带一路”为背景下国际贸 易融资业务风险管理为研究主题的背景和研究意义，综述了撰写论文过程中查阅的国内 外文献，列举了采用的研究方法和论文框架结构。其次，具体介绍了C银行上海分行“一 带一路”背景下国际贸易融资业务所将面临的机遇与挑战，并展开分析了C银行上海分 行”一带一路”相关沿线国际贸易融资业务所面临的风险类型及风险点以及目前的风险 管理现状。然后，结合真实案例分析了C银行上海分行是如何在贸易融资业务的各个阶 段做到风险防范并总结了其创新点与不足之处。最后，就C银行上海分行的国际贸易融 资业务风险管理工作如何进一步完善提出了针对性的具体改进措施。 本文通过研究分析，意在帮助C银行上海分行发现问题并有针对性的进行改进，便 于商业银行对于贸易融资中产生的风险进行分析。现阶段，国内外对于”一带一路”相 关沿线开展贸易融资业务的学术研究较少，本文提出的C银行上海分行在“一带一路“沿 摘要 线国家开展国际贸易融资业务所产生的风险研究有一定的创新性，对其他商业银行开展 相关业务也具有一定的参考价值。既有利于C银行上海分行有效管控国际贸易融资风险， 也对其他商业银行的借鉴和学习提供了帮助，具有一定的现实意义和理论应用价值。 关键词：国际贸易融资， 一带一路， 风险管理， 商业银行 ABSTRACT Research on Risk Management of International Trade Financing of C Commercial Bank Shanghai branch under the Background of “Belt and Road” ABSTRACT With the continuous improvement of China's international status and the acceleration of the wave of global economic integration, China's international trade market has also adapted to the steady development of the economic situation. The strategy of "belt and road initiative" was developed by President Xi Jinping in 2013, and it was an initiative and conception of innovative cooperation with Eurasian countries. Since the strategy was put forward, the potential of trade cooperation with the countries along the belt has been continuously released, and it has become a new driving force for the development of China's international trade. The remarkable growth of international trade settlement volume has also played a positive role in promoting the development of international trade financing business. Since the traditional international trade financing business itself has the characteristics of short cycle, low risk and high income, it has become the business field that commercial banks have been competing for layout for a long time. But unlike traditional trade financing, the strategy of "belt and road initiative" brings great challenges to international trade financing business of commercial banks. Under the strategic advocacy of "belt and road initiative", commercial banks undertake not only the credit risks of international trade customers, the operational risks of banks, the market risks of the subject matter, but also face the credit risks, legal risks, exchange rate risks and national political risks of the countries along the line, and so on. How to develop international trade and effectively control risks at the same time, which has become a realistic and urgent problem faced by commercial banks. Taking C commercial bank as an example, this paper introduces in detail the opportunities and challenges faced by the bank in the context of "belt and road initiative" strategy, and based on this, analyzes the practical problems existing in the process of risk management of trade financing business, and puts forward corresponding improvement measures. Firstly, it introduces the background and significance of choosing the risk management of international trade financing under the background of "belt and road initiative". ABSTRACT It summarizes the domestic and foreign literatures that have been consulted in the process of writing papers, and lists the research methods and framework of the paper. Secondly, it introduces the opportunities and challenges facing the international trade financing business under the background of C commercial bank Shanghai branch. This paper also analyzes the risk types and risk points of international trade financing business along the "belt and road initiative" of C commercial bank Shanghai branch, and the current situation of risk management. Then, it analyzes how to effectively manage the risk during the various steps of trade finance business based on a real case. Finally, the paper puts forward specific measures to improve the risk management of international trade financing business of C commercial bank Shanghai branch. Through research and analysis, this paper aims to help C commercial bank Shanghai branch find problems and make targeted improvements, linking the products of international trade financing along the "belt and road initiative" with all possible links of risks, and refining the risk of trade financing business to all relevant parties involved in the financing chain, so as to facilitate commercial banking. The bank conducts an analysis of the risks arising from trade financing. At the present stage, there are few academic researches on developing trade financing business along the "belt and road initiative". This article conducting the C commercial bank Shanghai branch's research on the risk of international trade financing in the "belt and road initiative" countries along the route is innovative. It also has some reference value for other commercial banks to carry out related businesses. It is not only conducive to the effective control of international trade financing risk of C commercial bank Shanghai branch, but also helpful to other commercial banks for reference and learning. It has certain practical significance and theoretical analysis connotations. KEYWORDS: international trade financing; belt and road initiative; risk management; commercial banks 目录 目录 第一章 导论 ... 1 第一节 选题背景与研究意义 ... 1 一、选题背景 ........................ 1 二、研究意义 ........................ 1 第二节 文献综述 ....................... 2 一、国外文献综述 ................ 2 二、国内文献综述 ................ 3 第三节 研究方法和研究框架 ... 4 一、研究方法 ........................ 4 二、 研究框架 ...................... 5 第四节 研究的创新点与不足 ... 6 第二章 “一带一路”战略下C银行上海分行贸易融资业务概况 ............ 8 第一节 C银行上海分行国际贸易融资业务发展现状 ....................... 8 一、C银行上海分行整体情况介绍 ................... 8 二、C银行上海分行国际贸易融资业务产品 ... 8 三、C银行上海分行“一带一路”相关沿线国际贸易融资业务规模 ............................ 13 第二节 “一带一路”背景下C银行上海分行国际贸易融资业务面临的机遇 .............. 15 一、 构建完善的全球服务网络，赢得大型投融资机会 .............. 15 二、 发挥外资银行自身优势，提供综合化金融服务 .................. 16 三、 促进同外部渠道合作，实现参与者共赢 .............................. 17 第三章 “一带一路”背景下C银行上海分行国际贸易融资业务面临的风险 ................... 18 第一节 C银行上海分行”一带一路”相关沿线国际贸易融资业务面