The International Trade Product Innovation and Development of Domestic Commercial Bank
|Keywords||international trade financing finance innovation forfeiting international factoring|
As our country’s economy and trading develops sharply, the scale of international trade financing grows bigger. Our country’s commercial banks have increased gradually the market share of international trade financing.But with the release of our country financial market,the foreign banks with enormous potentiality and nice market impression landing our country,the Chinese financial market’s competition will be more fiercely.If we can’t develop the new service field,don’t innovate new financial products, the gap between domestic banks and foreign banks will be increasing larger, and inevitably will be at a disadvantage in the competition.We must innovate new financial product, cooperation with the finance and trade, the economics,trade and finance could have fast development. Objectively, it needs domestic banks get more innovations and make breakthrough in the international trade financing environment.Through many years’work experience in the domestic commercial bank’s international business department, the author knows well about the international trade projects, develops the international trade financing tools which fitted the companies, and describe the international trade financing tools’feasibility and innovative points in the actual business, furthermore reduces the company’s financing costs, raises financing efficiency, realize the marginal benefits maximum.This paper describes the domestic banks’current situation in the international trade financing, shows the necessary of innovate the international trade finance business, puts forward the international trade financing’s method and manner in the commercial banks including the innovation of the business development concept, technology server’s manner, financing’s product.The financing products’ innovation concludes forfeiting, international factoring, structured trade finance, export credit further financial business," long-term exchange settlement+NDF" foreign exchange capital combined products. Finally,according to the questions such as commercial banks’weakness in the risk prevention consciousness during the development of international trade financing business, the international trade financing targets concentrated relatively, the law environment is imperfect and the international trade financing’s credit scale is very strong random, the paper offers countermeasures.