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近两年来,各家银行对黄金贸易融资业务的争夺越来越激烈。为获取竞争优势,一些机构只追求表面真实性,放宽授信审查条件、扩大授信额度、放松贸易背景真实性审核,没有形成成熟的风险管理体系,造成贸易融资业务出现风险损失的可能性大大上升。为有效加强贸易融资业务风险管理,建议:一是加强关键环节控制。客户经理必须深入调查,掌握客户的实际经营、关联关系及海外关联公司的情况,分析客户贸易周期、经营特
In the past two years, the banks have become more and more fierce over the gold trade financing business. In order to gain a competitive advantage, some institutions only pursue the appearance of truth, relax the credit examination conditions, extend the credit line, relax the authenticity review of the trade background, and have not formed a mature risk management system. As a result, the risk of trade finance business is greatly increased. In order to effectively strengthen the trade financing business risk management, suggestions: First, to strengthen the control of key links. Account managers must conduct in-depth investigation, grasp the actual operation of customers, relationships and overseas affiliates, analyze the customer trade cycle, operating special