商业银行国际结算全文

商业银行国际结算业务存在的风险及对策研究

目录

摘要 (2)

关键字 (2)

1引言 (4)

2国际结算的概念和特点 (4)

2.1国际结算的基本概念 (4)

2.2国际结算的基本特点 (5)

3国际结算业务商业银行存在的风险 (5)

3.1商业银行有关票据的风险 (5)

3.2商业银行有关托收的风险 (6)

3.3商业银行有关信用证的风险 (6)

3.4网络带来商业银行电算化风险 (7)

4商业银行国际结算业务的主要对策 (8)

4.1针对票据风险的防范措施分析 (8)

4.2针对托收风险的防范措施分析 (9)

4.3针对信用证风险的防范措施分析 (9)

4.4针对计算机网络化的风险防范措施 (10)

5总结 (11)

参考文献 (11)

致谢 (11)

摘要已修改

摘要：

商业银行的一项基础业务类属中间性业务是国际结算业务。通过两国银行办理的由贸易或非贸易引起的债权债务的清偿，它以国际贸易为前提，国际结算过程存在多重风险，但风险不等于损失，操作得当，风险可以预防，可以转化为收益;如不当，风险即会成为损失，同时，国际结算涉及到国家金融管理的有关法令、外汇管理条例、国际惯例与准则、银行信誉、银企责任及业务的具体操作等诸多方面，比较复杂。随着中国加入世贸组织，我国的进出口贸易和外向型经济将会有更快的发展。这一切为国际结算业务的快速发展提供了有利条件。目前我国已经在国际经济社会中扮演了越来越重要的角色。预计到2030年左右，中国就会成为世界第一大经济体。经济一体化和因特网的飞速发展促使国际贸易在总量、内容、方式等方面都有了很大的发展和变化,与此相对应,国际结算无论是从总量上,还是从结构上都发生了巨大的变化。快速、安全、高效地实现国家间的收付有着重大的现实意义。所以国际计算业务对当前的发展意义深远。本文从国际结算的概念开始讲起，阐述了国际结算业务中存在的主要风险。以及应对这些风险的对策。

关键字：国际计算票据托收网络信用

已经修改

Abstract:

Commercial bank a basic business class is the intermediate business is the international settlement business.By the two banks by trade or non-trade causes the creditor debt,its premise of international trade,the existence of multiple risk of international settlement process,but the risk is not equal to the loss,operating properly,the risk can be prevented,can be converted into

income;if not,the risk that losses will be,at the same time,international settlement involving the financial management of the relevant laws,regulations, foreign exchange management,international practice and standard,bank credit,and the specific responsibilities and business operations and other aspects,more complex.With China's accession to the WTO,China's import and export trade and export-oriented economy will be faster development.This provides favorable conditions for the rapid development of international settlement business.At present our country has been in the international economic society is playing a more and more important role.Expected around 2030,China will become the largest economy in the world.The rapid development of economic integration and the Internet makes international trade has a great development and change in quantity,content,methods,and the corresponding,international settlement,whether from the total amount,or from the structure has undergone tremendous changes.Fast,safe,efficient between countries and is of great practical significance.So the calculation of significance to the development of the current far-reaching.This paper begins with the concept of international settlement,expounds the main risks in international settlement business.And the countermeasures to deal with these risks.

Keywords:International Computing bill collection network credit