人民币升值背景下交通银行国际贸易融资产品分析-analysis of international trade financing products of bank of communications in the context of rmb appreciation.docxVIP

AbstractAt the background of economic globalization and appreciation of RMB , Our country’s commercial banks were influenced deeply, the innovation for the exchange rate of the RMB brought many chance as well as challenges. The loan businesses of the global combination, consumer loans were increased stably and positively. But the appreciation of RMB had some p assive influence for many firms, specially the bank which paid very attention to the international trade finance. Packing loan, export bills were easily pushed commercial bank into risk. This paper wants to research the suggestion for the commercial bank t o deal with these problems.The main body of this paper is dividend to four sections. The first section of this paper is the background and sense, the recent researching of related theories, researching content and method, technology roadmap. The second section will explain the exchange rate policy theory, theory of international lending, and international trade finance. The third section will analyze the function and sense , and recent situation of the international trade finance , which includes domestic and abroad. The fourth section will discuss the tactics used in the businesses in the international trade finance at the background of appreciation of RMB. Besides the problem, this paper issues some tactics according to the problems and the actual situation of Jiao tong bank. Compare with other domestic commercial banks, bank of communication has the advantages of larger scale, stronger, overall, this bank has a strong competence. However, there are still exist competence among the domestic commercial banks, some commercial banks that have a less scale and competence are good at analyzing the market information, as well as innovating. So they have a good market efficiency and market share. What is more, there is also an other competence from the foreign bank, which has strong competence in the every fact. Bank of communication should improve the organiza