1 in the new situation the risk of trade finance international trade finance business in the international development trend of recent years, with the development of science and technology to accelerate the formation of the international trade supply chain and e-commerce and Internet technology development, promoting international trade finance the development of the international trade finance market organization in the form of ways and a series of profound changes occurred .
在新势头下的商业活动融资的风险在国际国际商业活动融资业务的进展发展方向，近年来，随着科技的进展，加快国际商业活动供应链的形成和电子商业上的事务和互联网技术的进展，增进国际商业活动融资的进展，使国际商业活动融资的形式和市场团体方式发生了一系列深刻的变动。
1.1 every aspect of the international trade supply chain to meet new trends, and actively participate in the international trade supply chain, some large international banks are no longer just a link to the local governments in international trade customers or stage, but pay more attention to customers in the trade cycle needs, from parties to sign a contract tracked throughout the supply chain of goods and capital .
每一个环节，以合乎国际商业活动供应链的新的进展发展方向，积极参加国际商业活动供应链国际上一点大银行不再仅只是一个链接到地方财政在国际商业活动中的客户或阶段，但更加重视客户在商业活动周期的需要，从各方正式签字合约，在整个儿供应链中跟踪货物和资本。
1.2 to carry out domestic credit business credit , innovation, there should be many similarities , characteristics, and accounts of domestic trade and international trade accounts receivable financing and other properties , we can finance business in international trade , domestic trade financing, according to China's current credit environment and business risks , to carry out domestic credit business . Banks according to their own conditions to the development of factoring, forfeiting and exporter of tickets and other financing business , you can use third-party acquisitions, asset securitization, risk involved , to ensure , in the specific risk sharing during the operation , to improve prevention and control risk , and promote trade finance , bankers' acceptances development .
1.3 Innovation management, and network information technology and computer electronics trade finance, banks should keep up with the pace of the times , take advantage of e-commerce platform , to participate in international high-tech , electronic payment systems . E-commerce platform can provide the buyer with cash on delivery free exchange , but also for the seller to provide payment protection , provide resources for banks, insurance companies , transportation companies, business resources , creating favorable conditions for customers , at the same time , reduce transaction risk.
Two Chinese international trade finance problems
2.1 backward financing , financing target concentration , at present , the domestic banks' trade finance business is still the main tradition, occupies about 70 %, such as trade finance, export packing credit , import and export trade. Compared to factoring, forfeiting more complex business development is very limited, which restricts trade finance business development, to a certain extent .
2.2 Trade finance risk prevention measures, and the lack of effective risk control methods are backward , although the risk of international trade finance is more complicated, but it can use the scientific method to effectively predict and prevent . China 's major commercial banks and enterprises have established international trade finance business, operating rules and management methods, but still in the traditional management concepts , one-sided pursuit of business scale , extensive management , not careful, detailed analysis and research funding environment is affected by the financial crisis, business and risk in international trade , which makes the greater the risk of international trade finance .
The rapid development of science and technology , lack of qualified personnel 2.3 composite versed in international trade finance business , and promote economic, social and cultural development , commercial banks and the internal level and quality of service of staff put forward higher requirements , so far, our staff knowledge structure of a single , international settlement , credit, legal knowledge level is not high, so the compound talents proficient in urgent need of a large number of international trade finance business quality to meet the development trend of international trade finance .
2.4 Capital market confusion , competition is not standardized development, global economic integration , commercial banks provide a broader space, but also intensified competition in the market , the market order is not standardized, banks in order to capture a larger market share, increase international settlement business volume , reduce financing loans to attract more customers , deregulation of trade finance risk , exacerbated by bank trade finance business risks.
Three measures to promote China's international trade finance business , our government , development banks , under the influence of the financial crisis, international trade financing, companies must explore current international trade finance business measures exist to solve this problem , enhance risk awareness, establish and improve the risk prevention system, increase high-quality personnel training, improve the financing risk identification and prevention.
3.1 is led by the government to accelerate international trade finance risk prevention system , the financial crisis in the world's political and economic environment has become more complex, and increasing international credit risks, China 's export trade , finance presents a challenge, so our country should accelerate the establishment of a government-led , international trade finance risk prevention system, closely follow the development of the international situation , gather information on various types of risks , the establishment of national risk information databases and industry risks release mechanism announce bad buyers and timely information to enable banks and businesses can take measures to prevent the further growth of foreign exchange risk , to provide a guarantee for the foreign trade balance .
3.2 , improve the management system , standardize business operations , strengthen the supervision of international trade finance is a high-risk business , therefore , international trade finance business the whole process of supervision of the key. Bank finance loan before the survey must be done before , to conduct a comprehensive survey to understand customer credit status , business management skills , performance and profitability of the business , it should strictly examine the applicant's behavior , open the letter of credit terms and credit card issuing bank , made a good trade finance loans before the examination.
3.3 to strengthen laws and systems of legal protection mechanisms, improving credit , at present, China is unable to meet the international trade finance business development needs , in the relevant laws and regulations, trade finance . Therefore, the Government should strengthen the current relevant legislation , in combination with a complex international political environment and future trends, identify the new situation, is not a suitable place and vulnerabilities, analyzing between the international practice, China's current legal issues, formulate a viable operation of the program , relying on the smooth development of trade finance legal escort service , with the legal weapons to maximize the protection of the interests of banks and enterprises , reducing financing risk factor .
3.4 The establishment of e-commerce platform , the use of e-commerce platform , the establishment of a shared IT platform for traders, sales agents, logistics companies , providing customers with detailed, timely receipt and payment information of customers, customer management to improve risk prevention capability. Many banks by developing and improving online banking function, increased channel between customers and service projects and development banks and enterprises and other direct methods , establish an information sharing platform , improve business processes, implementation of standardized operation through document processing , thereby improving document the efficiency of business processes , allowing customers to understand changes in account balances important information to help customers reduce operating costs and avoid financing risk.
Conclusion
Trade needs financing, risk will be financing the rapid development of international trade , import and export trade financing companies and banks demand more urgent. International trade finance business , to promote trade finance support, can effectively improve the banking and business volume , improve profitability , but there are some risks , especially in the current difficult economic situation, under the influence of the financial crisis , China should accelerate the improvement of relevant laws, regulations , banks and enterprises must enhance risk awareness , and actively explore , innovation and financing business , the establishment of a complete set of trade finance risk prevention system , operation mechanism and early warning mechanisms , regulate the operation , so the trade finance risk control to the lowest level, to promote the rapid development of trade finance business .