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近年来,银行国际业务中的贸易融资业务发展很快,有力地促进了我国对外贸易的发展。然而,贸易融资的风险大大增加,影响了银行的资金安全和贸易的发展。 一、当前贸易融资风险的特点 当前贸易融资风险主要表现在:进口开证押汇逾期较多,信用证特别是远期信用证垫款现象严重,打包放款逾期居高不下,形成了大量的不良贷款,占用了银行大量资金。具体来说,呈以下特点。
In recent years, the trade finance business in the international banking business has been developing rapidly, which has effectively promoted the development of China’s foreign trade. However, the risk of trade financing has greatly increased, affecting the bank’s financial security and the development of trade. First, the characteristics of the current trade financing risk The current trade financing risk mainly in: import more opening bills overdue, letters of credit, especially the forward credit maturity, packaged loan overdue high, the formation of a large number of bad Loans, taking up a lot of money banks. Specifically, the following features.