发力贸易融资应对危机 稳定外需促进外贸发展

根据世界贸易组织预测,2009年全球贸易额将下降9%,创二战以来的最大降幅,而全球贸易融资缺口也将从2008年11月的250亿美元扩大至1000亿美元。我国情况同样不容乐观,外贸进出口额已连续多月下滑,据中国机电产品进出口商会提供的有关数据表明,截至5月31日,我国企业已签约的大型成套设备出口订单约277个,金额近697亿美元,急需获得相应融资支持。贸易融资的不足,将直接影响     

中小企业贸易融资与进出口银行支持力度的调查思考——以长沙地区为例

为了解中小企业贸易融资与进出口银行在中部市场金融服务的发展以及两者之间存在的联系,本文以长沙地区为范畴,从中小企业贸易融资的主要来源、用途、影响因素、选择金融机构的类型及进出口银行对中小企业支持力度、与进出口贸易的互惠互利关系等问题进行了调查,并针对存在的问题提出了相应的对策和建议.     

金融危机下的贸易融资业务

美国次贷危机所引发的国际金融风暴已经对中国经济产生越来越深刻的影响,最直接的体现是中国对外贸易不断萎缩,出口持续下降。作为长期以出口和投资拉动的中国经济增长模式而言,出口的持续下滑势必对国内经济增长、产业发展乃至就业等社会问题产生较大的负面影响。在经济转型尚需时日的情况下,当前的贸易萎缩对银行的信贷资产影响     

金融危机下江苏省贸易融资发展状况研究

2008年6月份以来,受全球经济形势的变化、我国各方面政策管理规定的影响、进出口企业自身经营管理状况及抗风险能力的波动等各种因素叠加作用,江苏省国际贸易融资①走势先抑后扬,本文对金融危机以来国际贸易融资发展的特点及原因、作用、存在问题等方面进行了调研,并提出了相应的政策建议。     

金融危机背景下中小企业融资困难的原因及其对策

中小企业融资困难历来是制约中国广大中小民营企业发展成长最重要的原因之一,在全球金融危机的背景下显得尤为突出。文章旨在分析由目前阶段的独特原因,并提出相关的对策建议。     

商业银行贸易融资业务的机遇和挑战

作为银行现代化、国际化重要标志之一的国际贸易融资业务近年来已为越来越多的银行所重视,在"后金融危机"这个大背景之下,大力发展贸易融资,对于我国保持外贸稳定发展和经济平稳增长,拓展新兴出口市场,巩固和提高我国在国际贸易体系中的地位至关重要。本文通过分析贸易融资的意义,国际贸易结算的变化趋势,对比中外资银行贸易融资业务差距,提出对中国商业银行贸易融资业务发展的意见和建议。     

进出口银行 融资“一带一路” 畅通“外贸循环”

今年是“一带一路”倡议提出十周年。在全球经济形势不容乐观的背景下,我国与“一带一路”沿线国家和地区的贸易继续稳步向前,贸易畅通不断深化。从托举央企国企“出海”的大项目、大工程,到支持民营企业融入全球化的供应链、产业链,再到力挺外资外企的大加码、深布局,如何用好政策性金融“活水”,助力“一带一路”建设和外贸高质量发展?     

发展贸易融资 应对金融脱媒

随着我国经济市场化的发展和资本市场的逐渐成熟,金融脱媒趋势在我国已基本确立。金融脱媒的出现是我国商业银行的传统信贷业降低和利息收入下降,影响了商业银行的经营管理。贸易融资业务在我国外贸依存度大幅提高的情况下,以其特有的优势成为商业银行争夺的业务之一。     

金融危机背景下出口商贸易融资方式选择

疾风暴雨式的2008年金融危机,在各国强力财政、货币刺激政策作用下得到一定程度的缓解,然而过度宽松的宏观政策只是掩盖了问题,而没有真正解决问题。尤其是我国不仅面临金融危机带来的外部冲击,更有自身经济结构失衡的问题。金融危机的影响在今后的3-5年还将持续。     

金融危机下贸易保护主义与中国的应对

本文探讨了金融危机下新贸易保护主义的特征演变,通过分析当前中国对外贸易面临的挑战,提出我国应对新贸易保护主义的对策：了解WTO规则,积极运用WTO各项机制;促进内需增长,转变经济发展方式;加强区域经济合作,推动自由贸易区的建设;加强创新,提高外贸企业竞争力。     

走进中国进出口银行

业务发展研究部 围绕本行外部环境、发展战略和经营策略等重大政策问题进行综合研究,为银行发展提出政策性建议和意见,为决策服务;围绕本行主要业务品种开展调查研究工作,包括客户情况、行业概况及相关问题,同时结合银行发展需要,开展新业务品种的研究工作;收集发布我国金融、外贸领域中的重要动态和信息,并维护管理本行互联网网站信息;参与行内重要文件和报告的起草工作.     

中国进出口银行因势而变

政策性银行改革问题现已成为政府有关部门、金融界以及学者们高度关注和讨论的热点问题之一。本文拟就中国进出口银行的重要作用、改革难点和发展思路做一些探讨,供大家参考。进出口银行自1994年成立以来,始终坚持政策性办行方向,执行国家产业政策、外经贸政策、金融政策和外交政策,为支持我国对外贸易发展、促进国际经济合作、推动实施“走出去”战略、加强对外关系做出了重要贡献。     

金融监管体系演进与发展趋势问题研究——基于金融危机视角

从金融危机的视角看,金融监管体系演进与发展和金融危机密切相关.监管当局为了维护金融体系的安全与稳定,降低金融危机的影响与危害,避免金融危机的再次发生,总是不断寻找新的监管重点、变革监管范围和手段.来保持金融监管的有效性.本文从三代金融危机导致金融体系不稳定的因素存在差异出发,阐述金融监管体系变革的过程和发展趋势,并得出了几点启示.     

金融监管体系演进与发展趋势问题研究——基于金融危机视角

从金融危机的视角看,金融监管体系演进与发展和金融危机密切相关。监管当局为了维护金融体系的安全与稳定,降低金融危机的影响与危害,避免金融危机的再次发生,总是不断寻找新的监管重点、变革监管范围和手段,来保持金融监管的有效性。本文从三代金融危机导致金融体系不稳定的因素存在差异出发,阐述金融监管体系变革的过程和发展趋势,并得出了几点启示。     

Bank lending during the financial crisis of 2008

This paper shows that new loans to large borrowers fell by 47% during the peak period of the financial crisis (fourth quarter of 2008) relative to the prior quarter and by 79% relative to the peak of the credit boom (second quarter of 2007). New lending for real investment (such as working capital and capital expenditures) fell by only 14% in the last quarter of 2008, but contracted nearly as much as new lending for restructuring (LBOs, M&As, share repurchases) relative to the peak of the credit boom. After the failure of Lehman Brothers in September 2008, there was a run by short-term bank creditors, making it difficult for banks to roll over their short term debt. We find that there was a simultaneous run by borrowers who drew down their credit lines, leading to a spike in commercial and industrial loans reported on bank balance sheets. We examine whether these two stresses on bank liquidity led them to cut lending. In particular, we show that banks cut their lending less if they had better access to deposit financing and thus, they were not as reliant on short-term debt. We also show that banks that were more vulnerable to credit-line drawdowns because they co-syndicated more of their credit lines with Lehman Brothers reduced their lending to a greater extent.     

全球金融危机：影响中国实体经济

美国次贷危机正逐步演化成“百年不遇”的全球性金融危机。这场金融危机对中国有何影响呢？有种侥幸的观点认为,中国在这次金融危机中独善其身,仅仅是外汇储备的缩水和金融机构投资美国次级债的损失,对中国实体经济影响很小或基本上没什么影响。笔者认为这种观点是极其错误的,全球经济一体化已经使中国经济在本次危机中深受其害     

深信服上网行为管理助力中国进出口银行信息化

金融信息化的快速发展为中国进出口银行的业务带来了新的发展生机,各种业务平台的建立和完善加速了企业的前进步伐。庞大的互联网在提供便捷的信息服务的同时,也给IT管理者带来压力。虽然银行内网部署了防火墙、入侵检测等网络安全设备,但是网络的管理仍然面临一些挑战：银行的办公网中,经常会出现邮件收发延迟,网页打开慢甚至打不开的情况,严重影响了工作效率;     

中国银行：领航国际贸易融资

中国银行在国际结算领域拥有高素质的专家队伍和丰富的跨境贸易处理经验,多次获得＂中国最佳贸易融资银行＂、＂最佳国际业务奖＂等金融服务奖项,在国际业务领域具有卓越的国际声誉和良好的品牌形象。那么,中国银行的国际结算业务是如何为＂走出去＂企业提供贴身服务的？又是如何通过竞争优势实现中国国内行业领先乃至全球领先？为此,《国际融...     

Bank valuation and accounting discretion during a financial crisis

This paper shows that banks overstate the value of distressed assets and their regulatory capital during the US mortgage crisis. Real estate-related assets are overvalued in banks' balance sheets, especially those of bigger banks, compared to the market value of these assets. Banks with large exposure to mortgage-backed securities also provision less for bad loans. Furthermore, distressed banks use discretion over the classification of mortgage-backed securities to inflate their books. Our results indicate that banks' balance sheets offer a distorted view of the financial health of the banks and provide suggestive evidence of regulatory forbearance and noncompliance with accounting rules.     

Conditional conservatism and trade credit during the global financial crisis

We investigate conditional conservatism and firms’ access to trade credit during the 2007–2008 global financial crisis. Previous studies argue that suppliers prefer conservative customers because of information asymmetry in production networks; we extend this line of research by focusing on trade credit during the 2007–2008 global financial crisis, a period that was characterized by a credit supply shock. We first document a positive association between conditional conservatism and firms’ access to trade credit both before and after the onset of the crisis, which indicates suppliers’ demand for conditional conservatism. Meanwhile, the association between conditional conservatism and trade credit experienced a significant decline following the onset of the crisis, and this only held when suppliers and customers had frequent transactions or were in close proximity, when transacted goods were standardized rather than differentiated, when customers were financially constrained and had high bargaining power, and when suppliers had sufficient liquidity. It implies that, when information asymmetry along the supply chain was low and customers had strong bargaining power, liquid suppliers increased their tolerance to less conservative customers, and they were even willing to grant trade credit to the less conservative customers that were financially constrained. Overall, this study adds to previous literature by demonstrating suppliers’ multifaceted demand for conditional conservatism.