国际结算和贸易融资风险的识别与控制

贸易融资较传统的流动资金贷款业务具有更大的市场适应能力.生产制造型企业贸易融资风险的主要影响因素有核心技术和装备情况、产品更新换代能力、国际品牌效应、人力成本.生产制造型企业资金流风险的主要影响因素有原材料采购与销售价格、结算方式、资产的流动性、盈利能力.贸易类企业融资风险的主要影响因素有上下游客户的稳定性、市场需求的稳定性、资金的可流动性.物流企业融资风险的主要影响因素有公司的收入及成本构成、应对市场价格变动的能力、上下游客户情况、企业的资金流.

Identification and Control of Risks in Trade Financing and International Settlement

Trade financing is more adaptable to market than traditional working capital loans. For manufacturers, major risks in trade financing are conditions of core technology and equipment, product upgrading capability, effect of international branding and labor cost, while price of raw material purchase and sales, mode of settlement, liquidity of assets and profitability are susceptible to risks in capital flow. For trading enterprises, major risks in trade financing are stability of up-stream and down-stream customers, stability of market demand and capital liquidity. Logistical companies are largely threatened by risks in income and cost structure, adaptability to changes of market price, conditions of up-stream and down-stream customers and capital flow.