国际保理在我国商业银行的发展研究

国际保理在我国商业银行的发展研究
摘    要
国际保理起源于国际贸易之中，是为贸易赊销方式提供的一种集销售账务管理、应收账款收取、信用风险担保和贸易资金融通为一体的综合性金融服务。目前，国际保理已经成为主要的国际贸易结算方式。在欧美发达国家，国际保理己基本上取代了信用证。而在我国，国际保理还处于试点阶段。
鉴于我国商业银行在该业务的开展和风险防范方面都明显不足，深入研究我国商业银行国际保理所面临的问题，逐步扩大我国商业银行发展国际保理的经营范围和市场份额，提升银行竞争力，成为重要的课题。
本论文主体的第一部分介绍国际保理的概念和种类，及其优势和业务程序；第二部分介绍全球国际保理的发展现状，并结合我国国际保理的发展现状及相关案例，分析我国商业银行发展国际保理业务的必要性；第三部分通过分析我国商业银行对国际保理的定位及制约因素，总结出我国商业银行当前发展国际保理所存在的问题；第四部分提出有利于国际保理在我国商业银行长远发展的具体策略。

关键字：国际保理，商业银行，发展，对策
Abstract
International factoring is originated from international trade. It provides trade credit in the form of a set of sales accounts management, receivables collection, credit risk guarantee and trade financing as a kind of integrated financial service. Currently, international factoring has become a major international trade settlement. In Europe and developed countries, international factoring has essentially replaced the letter of credit. But in our country, the international factoring is still in the pilot phase.
In view of the clearly insufficient Chinese commercial banks in the business and risk prevention, it will become an important task while an in-depth study of Chinese commercial banks with international factoring problems has arised and we should expand the business scope and market share of our commercial bank international factoring gradually.
The first part of the essay body introduces the concept of international factoring and its categories, advantages and operationalp rpcedures. The second part describes the current development situation of global international factoring combined with the current development situation of Chinese international factoring and related cases to analyze the necessity of developing international factoring in Chinese commercial banks. The third part summarizes the existing problems among the current development of international factoring in Chinese commercial banks by the analysis of positioning and restriction factors on the international factoring in Chinese commercial banks. The fourth part puts forward the specific strategies to the benefit of the long-term development of international factoring in Chinese commercial banks.

Keywords: international factoring, commercial banks, development, countermeasures

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