1、1本科毕业论文外文翻译外文文献译文商业银行贸易融资过程中的创新资料来源国际商务研究作者YIJUNYUAN,XIAOWEIDONGINCONTRAST,TRADEFINANCINGPROCESS5INNOVATIONISSELDOMCONCERNEDEXCEPTINSOMERESEARCHESONBANKPROCESSREENGINEERINGTHEREBY,ITISVERYMEANINGFULTOSTUDYINTERNATIONALTRADEFINANCINGPROCESSINNOVATIONBASEDONTHETHEORYOFBANKPROCESSREENGINEERING2FRAMEWOR
2、KOFTRADEFINANCINGPROCESSINNOVATIONINPERCEPTIONOFBANKREENGINEERINGASTHEPROCESSOFFINANCELIBERALIZATION,INFORMATIONIZATIONANDSECURITIZATION,THETHEORYOFBANKREENGINEERINGHASDEVELOPEDASWELLSINCETHESECONDHALFOFTHE20THCENTURYTHERISINGOFBANKREENGINEERINGURGEDTHETHEORETICALDEVELOPMENTOFFINANCEINNOVATION,ANDBE
3、CAMEACENTRALISSUE,WHICHWASPAIDMUCHATTENTIONBYSCHOLARSHOMEANDABROADNOWADAYS,THEPROCESSDESIGNOFCOMMERCIALBANKHASNOTBEENSUITABLEFORTHEREQUIREMENTOFRAPIDDEVELOPMENTOFFINANCEINDUSTRY,SOITBECOMESANIMPORTANTCHANNELTOINNOVATETRADEFINANCETHROUGHINNOVATINGTRADEFINANCINGPROCESS,COMBININGTHEFINANCEINNOVATIONWIT
4、HTHEORYOFBANKREENGINEERINGTHEPHRASEBANKREENGINEERINGCAMEFROMTHEPHRASEENTERPRISEREENGINEERINGTHROUGHALONGPERIODEXPLORATIONANDPRACTICE,THETHEORYOFBANKREENGINEERINGISSUMMARIZEDBYINTERNATIONALCOMMERCIALBANK,USEDTOIMMERGINGCREATIVEREFORMFORORGANIZATION,PRODUCTANDPROCESSOFBANKBANKPROCESSREENGINEERINGISTHE
5、CORECONTENTOFBANKREENGINEERINGITSPURPOSEISREENGINEERINGSCATTEREDTASKOFEVERYFUNCTIONALDEPARTMENTANDOUTSOURCINGNONVALUEADDEDSERVICETOIMPROVETHEOPERATINGEFFICIENCY,ACCORDINGCUSTOMERCATEGORYANDOPERATINGPROCESSOFCUSTOMERVALUECREATIONAPPLYINGEFFECTIVENESSPRIORITYPRINCIPLEOFBANKPROCESSREENGINEERINGTOTRADEF
6、INANCINGPROCESSINNOVATIONISMAKINGOPERATINGPROCESSACCEPTEDBYTHEMARKET,WHICHISDESIGNEDFORTRADEFINANCINGPRODUCTITISANEFFICIENCYISSUEOFPROCESSREENGINEERINGITMUSTENABLEREENGINEEREDPROCESSTOBESUITABLEFOREITHERPRODUCTNATUREORREQUIREMENTOFDIFFERENTCUSTOMERSINTHEMEANWHILEOFIMPROVINGEFFICIENCY,COSTREDUCTIONIS
7、ANOTHERREQUIREMENTOFTRADEFINANCINGINNOVATIONTHECOSTREDUCTIONORIENTEDFUNCTIONVIRTUALPRINCIPLEASSIMILATESRESOURCESOUTOFTHEORGANIZATIONINTOTHEORGANIZATIONTO6COMPLETEORGANIZATIONALFUNCTIONTHISPRINCIPLEREQUIRESCOMMERCIALBANKTORESERVECRITICALANDDOMINANTSERVICESINTHEPROCESSOFTRADEFINANCINGANDOUTSOURCINGNON
8、VALUEADDEDORLESSVALUEADDEDPARTSTOTHOSEPROFESSIONALAGENCIESTHROUGHTHISKINDOFMUTUALSUPPLEMENT,THEVALUECREATEDINTRADEFINANCINGPROCESSISINCREASEDRESOURCEINTEGRATIONPRINCIPLEISATHEORYOFCOMBINEOFLABORINBANKREENGINEERINGTHEORY,ONTHECONTRARYOFTHEORYOFLABORDIVISIONBASEDONUTILIZATIONOFINFORMATIONTECHNOLOGY,TH
9、ISPRINCIPLETAKESTRADEFINANCINGPROCESSRESTRUCTUREASBREAKTHROUGHTOASSEMBLEDILATORYPROCESSREASONABLYBORDERTRADEINTHECOUNTRY,FINANCINGDEMANDNATIONALBANKFROM2008STARTEDTRADEFINANCEBUSINESS,THOSELOANSAROUNDTHEBANKQUALITYPROJECTSFORTHESUPPLYCHAINOFDOMESTICTRADEFINANCEBUSINESS,THEIMPLEMENTATIONOFCREDITAUTHO
10、RIZEDUNDERTHEAPPROVALSYSTEMJULY13,NATIONALBANKOFBORDERTRADEISDEVELOPINGINLINEWITHTHECHARACTERISTICSOFINDIVIDUALCROSSBORDERTRADEFINANCEPRODUCTS,SUCHVARIETYINTHEAMOUNTOFFINANCING,TERMONTHEVERYEDGE,MOREFLEXIBLEWAYOFSECURITYBANKFORTHOSEWHOAREKEYCUSTOMERSINTOTHEINTERNATIONALTRADEFINANCEBUSINESSESTOPROVID
11、EALISTOFTHEGREENCHANNELCREDITAPPROVALABRANCHOFTHENATIONALINNOVATIONMARKETING,FOREXAMPLE,THEIRLOYALTYISHIGHANDONANUMBEROFIMPORTANDEXPORTVOLUMEOFHIGHQUALITYCUSTOMERBILLING,ASLONGASTHECOMPANIESMEETTHEFINANCINGCONDITIONS,REGARDLESSOFTHELENGTHOFTIMEASSHORTAS1MONTH,OFTHESIZEOFASSMALLAS3MILLION,LOANSCANBEA
12、SSOONASPOSSIBLEBANKSRETURNEDTOTHEKEYCUSTOMERSOFALLINTERNATIONALTRADEFINANCEWITHADEDICATEDACCOUNTMANAGERANDPRODUCTMANAGERINTERNATIONALOPERATIONSOFTENLEADTHEPRODUCTMANAGER,ACCOUNTMANAGERDIRECTLYINTOTHEWORKSHOPTOCOMMUNICATEWITHTHEWORKERS,SEETHELINEFEEDINGACCOUNTING,PRODUCTIONACCOUNTING,WORKERSINCOME,FI
13、RSTHANDINFORMATION,SEETHECOMPANYRUNNINGACCOUNTANDBILLINGHIMSELFSUMMONS,REGULATORYCAPITALUSAGEFOCUSONTRADEFINANCECUSTOMERS,TARGET7CUSTOMERS“FACETOFACE“DEMONSTRATIONHOMEMARKETINGAMEDICINEISAMAJORPRODUCTIONOFSTEROIDHORMONES,CHEMICALS,EXPORTOFPRIVATEENTERPRISES,70OFTHEPRODUCTSFOREXPORT,THEMAINSETTLEMENT
14、OFITSEXPORTLETTERSOFCREDIT,WIRETRANSFER,COLLECTIONFOREACHOFTHEBANKLAUNCHEDANEWPRODUCT,THEBANKISALWAYSRECOMMENDEDTOCUSTOMERSFORTHEFIRSTTIME,THEMEDICINEISCURRENTLYUSEDPRODUCTSUPTOINTERNATIONALBUSINESSBANK,ONEOFTHEMOSTCOMPLETECUSTOMERINTHECOMPOSITIONOFTRADEFINANCING,COMPANIESUSEAHIGHERPROPORTIONOFIMPOR
15、TANDEXPORTFINANCINGFOREXAMPLE,ONAPRIL7THISYEAR,ACOMPANYSHIPPEDANUMBEROFTHEAMOUNTOF100,000BAGS,THECREDITPERIODOF90DAYSAFTERTHESHIPMENTWITHATRANSPORTBUSINESSDOCUMENTSANDCREDITINSURANCEANDOTHERINSURANCEDOCUMENTSTOTHEBANKSFORFINANCING,BANKONAPRIL14REVIEWBY,ANDPAIDINACCORDANCEWITHTHERATEOF80FINANCING80,0
16、00ENTERPRISESINACCORDANCEWITHTHEDATEOFAPPLICATIONFORSETTLEMENTOFEXCHANGERATE6826190DAYS,THECOMPANYRECEIVED100,000PAIDBYTHEBUYERPAYMENTANDREPAYMENTOFBANKLOANSINUSDOLLARSDIRECTLYTHEDAYSEXCHANGERATEOF6779,COMPAREDWITHAPRIL14THEEXCHANGERATEDIFFERENCEOF471,BUSINESSFINANCINGFROMTHEMONEYRECEIVED3768YUANINR
17、EVENUEPILOTFINANCINGNEWPREVIOUSLY,DOMESTICBANKSMAINLYFOREIGNBUYERCREDITFINANCING,EXPORTIMPORTBANKHASDONEONLYASMALLAMOUNTOFRMBBUYERSCREDITTOSUPPORTDOMESTICENTERPRISESTOEXPORTTHERMBSETTLEMENTINCROSSBORDERPILOTSTARTED,THEQUALIFICATIONSOBTAINEDOVERSEASPROJECTFINANCINGBANKSCANCONDUCTYUANOFDIRECTFOREIGNTR
18、ADEFINANCEORPROJECTFINANCEJPMORGANFUNDSMANAGEMENTDIVISIONDIRECTORANDVICEPRESIDENTXUSHENGSHANGHAIBRANCHSAIDTHATJPMORGANISCURRENTLYSTUDYINGTHERMBBUSINESSOFFOREIGNTRADEFINANCINGIMPORTER,IFTHEEXPECTEDFUTUREDEPRECIATIONOFTHERENMINBIRELATIVETOFOREIGNCURRENCIES,WILLFACEINCREASEDCOSTS,REDUCEDRISKOFINTEREST,
19、YOUCANENGAGEINFOREIGNEXCHANGEBUSINESSWITHTHEBANKCONTRACT,AGREEDTOPAYTHECONTRACTPRICEWHENPURCHASINGFOREIGNCURRENCYTOHEDGEORTOENSUREPROFITSFOREXPORTERS,IFTHEEXPECTEDFUTUREAPPRECIATIONOFTHERENMINBIRELATIVETOFOREIGNCURRENCIES,HEWILL8FACETHERISKOFREDUCEDINCOME,CANALSOBESIGNEDWITHTHEBANK,AGREEDTOINCONTRAC
20、TREVENUEWHENTHEPRICEOFFOREIGNEXCHANGETOHEDGEORSELLFOREIGNEXCHANGETOENSUREPROFITSINTHEFINANCIALDERIVATIVES,FOREIGNEXCHANGESWAPSAREALSOUSEDINSOMEENTERPRISESOFFSHORERENMINBINONDELIVERABLEFORWARDSTOOLSNDFANDOTHERFINANCIALDERIVATIVESINANUMBEROFFOREIGNINVESTEDENTERPRISESORFOREIGNFUNDEDENTERPRISESWITHBRANC
21、HESALSOINUSEHOWEVER,USAGEOFFINANCIALDERIVATIVESISGENERALLYNOTHIGHFROMABUSINESSPERSPECTIVE,THELACKOFBUSINESSPROFESSIONALS,ACCOUNTINGPERSONNEL,LACKOFEXPERTISE,MANYCOMPANIESARENOTSENSITIVETOTHEINTERNATIONALFINANCIALTRENDS,FINANCIALDERIVATIVESDONOTUNDERSTANDTHEUSEOFHEDGINGINSTRUMENTSSUCHASTHELACKOFACTIV
22、ERISKAVERSIONTHECOMMERCIALBANKSTHEMSELVESTOAVOIDTHERISKOFTHEINTRODUCTIONOFAONEYEARFORWARDEXCHANGESETTLEMENTANDSALESNOTMORETHANPOSITIVE,UNABLETOMEETTHEBUSINESSTOLONGERTERMTRADEFINANCINGNEEDSBUTWITHTHEDEEPENINGOFTHEREFORM,ENTERPRISESWILLFURTHERSTRENGTHENRISKAVERSION,THEUSEOFMULTICHANNELHEDGEBANKWILLALSOADDRESSTHENEEDSOFENTERPRISES,THEINTRODUCTIONOFFOREIGNEXCHANGETOMEETTHEMARKETDEMANDFORHEDGINGPRODUCTS,BROADENTHECHANNELSOFCORPORATEHEDGING,ACTIVELYLOOKINGFORNEWBUSINESSGROWTH
