商业银行办理出口押汇存在的问题及对策

Problems in Export Bill Purchase Business Provided by Commercial Banks and Countermeasures

出口押汇是出口贸易中常见的短期融资方式之一,由于国内尚无专门规范出口押汇的法律制度,各商业银行对该项业务的理解和操作存在一定的差异,在操作中出现了诸如绕规模发放贷款;将打包贷款当做出口押汇;审查不严,造成国家退税款流失等问题。对此,商业银行应强化宏观金融意识,严格按法律要求操作,同时加大对人才管理和培训的力度,加强银行垫款资金的管理,加强各种单据和申请人资格的审查,及时核销银行垫款。

Export bill purchase is one of the most common short-term financing ways in export trade. There exist some differences among different commercial banks in understanding and operating the business because there is no special standard legal system about export bill purchase in China. In the operation there may appear problems such as banks＇ circumventing credit ceiling, using packing credit to replace export bill purchase and being indulgent in the supervision so as to lead to the loss of tax rebate of our country. To solve these problems, the commercial banks should strengthen their awareness of macro-finance, operate according to the requirement of law strictly, and at the same time make greater efforts in talent management and training, strengthen the management of bank＇s advance money, strengthen the supervision on various documents and applicant＇s qualification and write off bank＇s advance money in time.