論信用證抵押貸款業務的風險及其防范

國際貿易論文編號:GM259  包括:開題報告及任務書,論文字數:7000,頁數:11

目   錄

1  信用證抵押貸款的特征 ..........................................2
1．1信用證抵押貸款是一種封閉貸款 .................................2
1．2信用證抵押貸款與信用證本身是兩種不同的法律關系 ...............2
1．3信用證抵押貸款收回取決于信用證交易的實現 .....................3
2   銀行開展信用證抵押貸款面臨的風險分析 .........................3
2．1 來自出口商的風險 ............................................3
2．2來自信用證的風險 .............................................4
2．3進口客戶風險 .................................................5
2．4 匯率風險.................................................... 5
2．5國家（地區）風險 .............................................6
3  銀行信用證抵押貸款業務的風險防范 ..............................6
3．1貸前調查 .....................................................6
3．2貸時審查 .....................................................7
3．3 貸后跟蹤 ....................................................8
3．4  落實擔保條件 ...............................................9
參考文獻 .........................................................10

摘   要
  信用證抵押貸款是商業銀行對出口企業提供支持的一種傳統融資形式。雖然也是人民幣短期貸款，但與一般的人民幣流動資金貸款有很大的不同。國內商業銀行在打包放款的操作上雖然存在一些分歧，但在定性上是基本一致。從法律關系來看，信用證抵押貸款是一種融資的法律關系，實質上是一種信用貸款，他與信用證有密切的關聯性。銀行在辦理信用證抵押貸款業務中通常都要求申請人提供信用證正本作抵押。本文首先全面闡述了信用證抵押貸款的涵義與法律特征，明確了信用證抵押貸款仍然是信用放款的一種形式；其次，從出口商，進口客戶及信用證本身等方面分析了業務的風險點；最后從銀行信貸角度出發，對信用證抵押貸款的管理提出了一些建議。
【關鍵詞】商業銀行  信用證抵押貸款  風險  風險防范

Abstract
Packing loan is a traditional financing form provided by commercial bank to provide support to export enterprise. Packing loan is a short-term loan, but it is of great difference from the general floating capital loan. Domestic commercial banks basically share the same definition although they are different in the operation strategy of packing financing. From the viewpoint of legal relations, packing loan is a kind of financing relations of legal, a credit loan in nature which is of great relations with L/C. The bank usually asks the applicant to pledge the original true L/C against packing loan. Firstly a comprehensive elaboration of the meaning and legal characteristics of the Packing loan definites that it is still one form of credit loan. Secondly, the service risk points are analyzed from the aspects of exporters, importers and L/C itself. At last, some suggestions to the management of packing loan are put forward from the point of bank’s credit.
【Key Words】Commercial bank; Packing loan; Risk; Risk aversion