摘要
国际贸易融资业务是在国际贸易和国际结算的不断发展过程中兴起的，是在
国际贸易过程中处理贸易双方国际结算中的资金问题的一项金融服务。随着经济
贸易的发展，客观上，全球贸易经济特征改变和金融监管标准提高，使商业银行
不得不转变传统的融资方式以求生存。另一方面，商业银行国际贸易融资业务的
创新也是银行自身提高综合竞争力的主观要求。随着国际贸易发展趋势发生转
变，国内外监管环境也不断变化，再加上商业银行的创新竞争加剧以及银行自身
正经历经营转型，因此银行不得不探索新的发展路径，通过创新提高自身的竞争
力，进行国际贸易融资业务创新已是当务之急。再者，大力发展我国商业银行的
国际贸易融资业务，有助于缓和我国而今应对全球金融危机的冲击，不仅能推动
外贸的快速发展，还能促使我国银行体系的健康发展。如今我国许多商业银行在
寻找有效开展国际贸易融资业务创新的途径，并且有些银行已有了一定收获，但
总的来看，国内商业银行该项业务的收入占银行总收入比重仍然很低，而国外的
一些银行该项业务已占到银行总收入的二分之一及以上。我国已成为国际贸易第
一大国，如果想继续推动贸易与金融的持续发展，只有在理论与实践上对贸易融
资开展深入全面的研究，大力创新国际贸易融资业务，才能更好地促进国内商业
银行向国际性商业银行转变，并且利于进出口的持续发展。此外，发达国家对商
业银行国际贸易融资业务创新在理论与实务上的研究成果，也为我国商业银行开
展该项业务贡献了宝贵的经验，但是我国商业银行本身的有着其独特的性质和发
展路径，因此在学习引进之时，要遵循我国的实际状况，有选择有重点地进行创
新。综上所述，全面深入地研究国际贸易融资创新，建立更具有可操作国际贸易
融资创新机制，对促进我国国际贸易融资发展意义重大

本文主要研究国际贸易融资创新。全文共五章。第一章是导论，介绍论文的
选题的背景、选题的意义以及论文的框架和结构安排，并且从国内外两方面整理
国际贸易融资相关理论，通过对相关的国际贸易融资创新理论进行理论综述，明
确清楚地对国际贸易融资创新的理论基础有个全面认识。第二章是国际贸易融资
概述，这一部分主要对国际贸易融资的概念、特点进行阐述，并且着重介绍当前
传统的进出口贸易融资产品及应用。第三章是 N 银行苏州分行国际贸易融资现状
及问题分析。本文选择了一家商业银行进行案例研究，从该行的经营状况、国际
2贸易融资业务与产品的现状以及现阶段国际贸易融资存在的问题等多个方面对
该银行的国际贸易融资业务进行了全面的现状分析。第四章是 N 银行苏州分行国
际贸易融资创新。主要研究 N 银行苏州分行进行国际贸易融资创新是应该采取的
思路路径，并且提出该业务的创新可以从理念创新、技术创新、产品创新等思路
下手，还提出创新应该符合监管的要求的观点。同时阐述了当前 N 银行苏州分行
在这一创新思路下推出的具体举措，以及分析该业务在发展过程中存在的一些需
要解决的问题。第五章是 N 银行苏州分行国际贸易融资深化创新的建议。本文在
前面发现问题、梳理创新思路、推出创新举措、再发现创新问题的基础上提出了
一些继续深化国际贸易融资业务创新的建议，如继续学习借鉴先进创新经验，结
合自身实践，深化创新；逐步推进创新举措，发挥“后发优势”；加强员工管理，
提高创新能力；加强电子化科技运用，加快科技创新步伐等

关键词：商业银行，国际贸易融资，创新
3INNOVATION MANAGEMENT RESEARCH OF
INTERNATIONAL TRADE FINANCE BASED ON N
COMMERCIAL BANK SUZHOU BRANCH
ABSTRACT
International trade financing is a kind of international settlement services of one kind of
international trade, which is originated from the developing international trade and international
settlement. Objectively, with the development of the foreign trade and economic, because of the
different characteristics of global trade economy and the improvement of financial supervision
standards, commercial banks cannot but change the traditional way of financing in order to
survive. Subjectively, they put forward new ideas for international trade financing business and
require banks to improve their comprehensive competitiveness.
Thus to follow the development of international trade, accommodate itself to the
transforming regulatory environment home and abroad, to cope with the horizontal competition
and to meet the requirements of management transformation, commercial banks are expected to
put more efforts to find new ideas in international trade financing. Banks should look for new
development paths by means of innovation in order to survive for the sake of enhance the
adequate development of international trade financing business. Besides, The development of
international trade financing of commercial banks could alleviate the impact of current financial
crisis, enhance the developing of foreign trade and speedy and sound development of China&39;s
banking system. As China becomes the largest country in international trade, international trade
finance innovation is badly needed. Currently quite a lot domestic commercial banks are groping
and attempting to launch trade finance business innovation effectively and as a result, they have
gotten plenty of achievements. But overall, China&39;s commercial bank international trade finance
income is still lower than the bank&39;s overall revenue, while some foreign banks accounted for
more than half of total revenue. If we want to truly embark on the road of international trade
powerful country, and not just international trade big country,
only through the research of theory, law as well as practice, and then putting forward
scientific, convenient and feasible trade finance management system and means, can the
innovation of international trade financing business be launched effectively.It could not only
better promote the development of China&39;s import as well as export, but also boost domestic
commercial banks turning into the international commercial bank.
4If simply bring developed countries’ innovation, our commercial bank couldn’t make
competition with the experienced foreign capital banks. Only by combining our situation to carry
on conformable innovation, and absorbing valuable experience of developed countries’
innovation positive results, the innovation of our commercial bank will be successful. So we
absorb adequately the theories and practices into international trade financing, and then add
reasonable and practical developing modes to effectively enhance innovation in banks, promote
the development of international trade and make for domestic commercial banks to convert into
international commercial banks.
This paper consists of five parts, the specific structure as follows.Chapter I: Introduction. This
part introduces the background of the thesis, significance, framework and structure arrangement
of this thesis. And from two aspects of international trade financing theory home and abroad, we
made a clear and comprehensive understanding of international trade financing innovation
through the theoretical review of the related international trade finance innovation theory.
In the ChapterⅡ, we made a detailed elaboration on the basic concepts and features of
international trade financing, mainly introduced the present import and export trade financing
products as well as their concrete applications.
In the Chapter Ⅲ, we select a commercial bank N as an example. Based on the overview of
international trade financing and its related innovation theory, we make a comprehensive analysis
of the status of the international trade finance business of bank N from the management,
international trade financing products of multiple perspectives, and analyze the problems existing
in developing process of international trade financing roundly.
In the Chapter Ⅳ, this paragraph mainly focuses on international trade financing innovation
in bank N, and analyzes problems existing in developing process of international trade financing
in our country. To address these problems, we putforwardsomeproposalsabout concept innovation,
technology innovation, product innovation and put that Innovation should be in compliance with
regulatory requirements. After this, we analyze again the problems existing in developing process
of international trade financing innovation.
In Chapter V, based on the overview of i