摘要

國(guó)際保理業(yè)務(wù)屬于國(guó)際結(jié)算范疇，它是指保理商為國(guó)際貿(mào)易中采用賒銷(xiāo)（O/A)或跟單托收承兌交單(D/A)結(jié)算方式時(shí)，為供貨商提供的將出口貿(mào)易融資、帳務(wù)處理、收取應(yīng)收帳款和買(mǎi)方信用擔(dān)保融為一體的綜合性金融服務(wù)。這頂業(yè)務(wù)起源于18世紀(jì)的英國(guó)，而在近幾十年的時(shí)間里國(guó)際保理業(yè)務(wù)被人們所熟知，進(jìn)而在世界大多數(shù)國(guó)家和地區(qū)的國(guó)際貿(mào)易中得到廣泛應(yīng)用。
雖然國(guó)際保理業(yè)務(wù)在世界眾多國(guó)家得到了長(zhǎng)足的發(fā)展，但是在我國(guó)的起步是很晚的，我國(guó)是在1987年才引進(jìn)了保理這項(xiàng)業(yè)務(wù)，而后的這二十幾年保理開(kāi)始了在中國(guó)的發(fā)展歷程。眾所周知，保理是具有很大的應(yīng)用優(yōu)勢(shì)的，在實(shí)際的貿(mào)易中能給進(jìn)出口商和保理商都帶來(lái)巨大效益，但是國(guó)際保理業(yè)務(wù)在中國(guó)的發(fā)展卻不盡如人意，保理業(yè)務(wù)在中國(guó)的每一步都很艱辛。來(lái)自各方面的眾多因素成為保理在中國(guó)發(fā)展的瓶頸，并致使中國(guó)的保理業(yè)務(wù)量只在全球業(yè)務(wù)量中占有極少的份額，這與中國(guó)貿(mào)易大國(guó)的身份也是極不相稱(chēng)的。究竟是什么原因阻擋了中國(guó)銀行xx分行國(guó)際保理業(yè)務(wù)快速發(fā)展的腳步？本文就在闡述上國(guó)際保理基本理論的基礎(chǔ)上重點(diǎn)分析了中國(guó)銀行xx分行在開(kāi)展國(guó)際保理業(yè)務(wù)的現(xiàn)狀及風(fēng)險(xiǎn)問(wèn)題，最后從銀行內(nèi)部因素,外部因素兩大方面提出了中國(guó)銀行xx分行在應(yīng)對(duì)國(guó)際保理業(yè)務(wù)風(fēng)險(xiǎn)時(shí)應(yīng)采取的規(guī)避措施。


關(guān)鍵詞 商業(yè)銀行 國(guó)際保理 問(wèn)題與對(duì)策


Abstract

International Factoring is one kind of International Settlements , which means factoring in international trade for the use of credit (O / A) or with a single collection, single cross-acceptance (D / A) when clearing the way for suppliers to provide the export trade finance, accounts processing, collection of accounts receivable and the buyer credit guarantee comprehensive integrated financial services. This top of the business originated in the 18th century the British, and in recent years international factoring business was well-known, and in most countries and regions in the world of international trade is widely used.
Although the international factoring business in many countries in the world have enjoyed great development, but in China is a late start, China was in 1987 before the introduction of the factoring business, 20 years before this started factoring the course of development in China. As we all know, factoring is a great advantage of the application in practice can import and export trade and factoring benefits are enormous, but the international factoring business in China, but it falls short, factoring business every step in China is very difficult. From all aspects of factoring a number of factors to become the bottleneck in the development of China and resulted in China is only factoring in the global volume of business in the take up a small share of this trading nation status with China is extremely disproportionate. What is the reason for the block in Shanxi Province Branch of Bank of China International Factoring rapid pace of development? Expounded on this article on the basic theory of international factoring based on an analysis of key branches of the Bank of China in Shanxi Province in the conduct of international factoring the status quo and risk issues, and finally from the bank internal factors, external factors of the two major aspects of the Bank of China, Shanxi provincial branch in responding to international factoring to avoid the risk measures to be taken.

Key words Commercial Bank； International Factoring； Problem and Countermeasure
目錄
中文摘要 I
ABSTRACT II
第1章 緒論 1
1.1研究的目的及意義 1
1.1.1研究的目的 1
1.1.2研究的意義 2
1.2國(guó)內(nèi)外研究現(xiàn)狀 2
1.2.1國(guó)外研究現(xiàn)狀 2
1．2．2國(guó)內(nèi)研究現(xiàn)狀 4
1.3研究的方法 5
1.3.1調(diào)查法 5
1.3.2文獻(xiàn)研究法 5
第2章 國(guó)際保理概述 6
2.1國(guó)際保理相關(guān)理論 6
2.1.1國(guó)際保理的涵義 6
2.1.2國(guó)際保理的運(yùn)行模式及種類(lèi) 7
2.1.3國(guó)際保理的應(yīng)用優(yōu)勢(shì)及特點(diǎn) 9
2.2國(guó)際保理業(yè)務(wù)發(fā)展現(xiàn)狀 12
2.2.1國(guó)際保理在國(guó)內(nèi)發(fā)展?fàn)顩r概述 12
2.2.2國(guó)外國(guó)際保理業(yè)務(wù)開(kāi)展?fàn)顩r概述 14
第3章 中國(guó)銀行XX分行國(guó)際保理業(yè)務(wù)現(xiàn)狀與風(fēng)險(xiǎn)分析 15
3.1中國(guó)銀行xx分行概況 15
3.2中國(guó)銀行xx分行保理 16
3.2.1中國(guó)銀行xx分行保理業(yè)務(wù)簡(jiǎn)介 16
3.2.2中國(guó)銀行xx分行國(guó)際保理業(yè)務(wù)現(xiàn)狀 17
3.3中行xx分行保理業(yè)務(wù)風(fēng)險(xiǎn)分析 17
3.3.1銀行內(nèi)部因素 18
3.3.2銀行外部因素 22
第4章 針對(duì)保理業(yè)務(wù)的風(fēng)險(xiǎn)規(guī)避對(duì)策研究 24
4.1銀行內(nèi)部對(duì)策 24
4.1.1多元化國(guó)際保理業(yè)務(wù)種類(lèi) 24
4.1.2加強(qiáng)銀行風(fēng)險(xiǎn)管理，做好風(fēng)險(xiǎn)防范 26
4.1.3建立科學(xué)信用評(píng)估機(jī)制,正確定位客戶(hù) 29
4.1.4降低國(guó)際保理業(yè)務(wù)費(fèi)率 31
4.1.5改善開(kāi)展國(guó)際保理業(yè)務(wù)的基礎(chǔ)條件 32
4.2銀行外部對(duì)策 33
4.2.1普及保理常識(shí)，增強(qiáng)保理法律意識(shí) 33
4.2.2借鑒國(guó)外經(jīng)驗(yàn)，促進(jìn)各方交流合作 34
結(jié)束語(yǔ) 35
致謝 36
參考文獻(xiàn) 37
附錄1
附錄2