商业银行贸易金融对我国实体经济的支持研究与政策建议

Research on Commercial Banks'Trade Finance Support to China's Real Economy and Policy Suggestions

现代贸易金融是由结构性贸易金融产品、自偿性授信安排、现金流管理和金融科技作为支撑,为参与全球价值链的企业所提供的一种综合性金融服务。本文通过梳理贸易金融的内涵、历史沿革、功能特点及其核心机理框架,结合当前中国经济背景,从汇率避险、金融普惠性、金融支持产业升级、控制信贷杠杆、降低不良资产率等五个角度,分析了贸易金融在这些方面发挥的重要作用,针对我国商业银行贸易金融发展过程中遇到的实践困境,提出相应的政策建议和改善措施。

Modern trade finance is a comprehensive range of financial services provided to enterprises partici⁃pating in global value chains,which is supported by structured trade finance products,self-reimbursing credit ar⁃rangements,cash flow management and Fintech.By sorting out the connotation,historical evolution,functional characteristics and core mechanism framework of trade finance,combining with the current Chinese economic background,this paper analyzes the important role played by trade finance in exchange rate hedging,financial uni⁃versality,financial support for industrial upgrading,control of credit leverage,and reduction of non-performing as⁃set ratio,and puts forward the corresponding policy recommendations and improvement measures for the practical dilemmas encountered in the process of the development of trade finance of China's commercial banks.