当前，国家进一步对外债管理方式进行了创新，境内企业从境外融入资金更加 便利，借入外债的主体资质和外债资金的使用范围均得到进一步放宽。随着外债宏 观审慎政策的推广，境内客户通过境外银行融资的需求将会越来越显著。跨境直贷 业务，因有助于深化银企合作，帮助客户降低融资成本，而被越来越多的境内企业 和银行所关注。 由于国际关系环境存在多变性与不稳定性的特点，这导致了跨境融资的额度与 难度处于不稳定状态，且存在风险。与此同时，国家对金融发展风险的管控与对稳 定金融环境的诉求，也使得跨境融资受到多方面监管，从而融资难度增加，融资效 率降低。因此，银行想要开展相关业务，这些外部环境带来的挑战亟待解决。 安全、稳定、高效的跨境直贷产品不仅能够帮助客户获得资金来源，还可以提 高银行的竞争力，给银行带来稳定安全的利润，从而促进银行与企业的共同发展。 因此，如何科学、合理地对跨境直贷产品进行设计和创新成为了各家商业银行跨境 担保融资市场竞争中需要解决的问题。 本文对 G银行跨境直贷产品进行了产品设计分析和推广，论证了该业务发展的 必要性和意义，分析提出下一步业务发展策略和优化措施，具体步骤如下： 首先提出本文的研究意义及思路；其次在前人研究的基础上分析总结，对 G银 行跨境直贷业务进行了产品设计分析，介绍了跨境直贷产品方案的基本概念和设计 理念，详细描述了 G银行跨境直贷产品的设计方案，分析其面临的市场环境和市场 前景，与同类产品进行优劣势比较分析。再次，结合在 A公司进行的跨境直贷产品 试点，提出 G银行跨境直贷业务发展的推广策略。最后，总结本文的主要贡献及研 究的不足之处，并展望未来的研究方向。 关键词：跨境直贷；跨境融资；跨境担保；风险参与G 银行“跨境直贷”金融产品设计 I ABSTRACT At present, with the innovation of external debt management mode, the qualifications of debt body and the usages of the debt capital further ease, which make it more convenient for domestic enterprises to integrate funds from abroad. With the promotion of the macro-prudential policy on foreign debt, the demand for domestic customers to finance through overseas banks will become increasingly significant. Cross-border direct loan helps deepen bank-enterprise cooperation and lower financing costs, so it is attracting more and more domestic enterprises and banks. The variability and instability of the international relations environment lead to instability in the quota and difficulty of cross-border funding, so the risk is inevitable. Meanwhile, the state’s control over financial development risks and the demand for a stable financial environment have put cross-border funding under strict supervision, thus financing difficulty increases and financing efficiency decreases. Therefore, if banks want to conduct relevant business, the challenges brought by external environments need to be addressed urgently. Safe, stable and efficient cross-border direct loan products can not only help customers obtain funding sources, but also improve the competitiveness of banks and bring stable and safe profits to them, thus promote the common development of banks and enterprises. Therefore, the scientific and legitimate design and innovation of cross- border direct loan products have become the top problems in cross-border guarantee financing market facing the commercial banks. This paper conducts design analysis and case analysis of G Bank’s cross-border direct loan business, demonstrates the necessity and significance of the business development, and comes up with the business development strategies and optimization measures. The specific steps are as follows: Firstly, the paper introduces the research significance and approaches. Then, based on the analysis and summary of predecessor’s research results, the paper designs and analyzes G Bank’s cross-border direct loan business, presents the basic concept and philosophy of cross-border direct loan product, illustrate the design scheme of G Bank’s cross-border direct loan product, analyze the market environment and market prospect it faces, and compare with other like products. And then, combined with special features of G Bank’s cross-border direct loan product design, the paper puts forward the expanding strategies of G bank. Finally, the paper concludes the contribution and deficiency of the research and forecast the direction of future research.ABSTRACT II KEYWORDS: cross-border direct loan; cross-border funding; cross-border guarantee; risk participationG 银行“跨境直贷”金融产品设计 1 目 录 第一章 绪论...................................................................................................... 1 第一节 研究背景与意义..................................................................................................1 一、研究背景................................................................................................................ 1 二、研究意义................................................................................................................ 2 第二节 研究目的..............................................................................................................3 第三节 研究方法..............................................................................................................3 第四节 主要内容与结构..................................................................................................4 第二章 G 银行跨境直贷产品方案基本概念和设计理念..............................5 第一节 G银行跨境直贷产品方案基本概念.................................................................. 5 一、跨境担保融资的概念............................................................................................ 5 二、跨境担保融资的类型............................................................................................ 5 三、跨境直贷业务的概念............................................................................................ 6 四、风险参与业务的概念............................................................................................ 6 五、风参直贷产品的定义............................................................................................ 6 六、风参直贷产品的核心特征与功能........................................................................ 7 第二节 G银行跨境直贷产品方案设计理念.................................................................. 7 一、新政策红利的影响................................................................................................ 7 二、节约境内银行表内投放规模................................................................................ 8 三、降低融资成本，吸引更多客户............................................................................ 8 第三章 G 银行跨境直贷产品设计方案........................................................10 第一节 G银行跨境直贷产品说明书............................................................................ 10 一、G银行风参直贷产品简介...................................................................................10 二、G银行风参直贷产品的特点与功能...................................................................10 三、G银行风参直贷产品的适用对象.......................................................................11 四、G银行风参直贷产品的申请人条件...................................................................11目录 2 五、G银行风参直贷产品的贷款用途.......................................................................11 六、G银行风参直贷产品的额度有效期与贷款期限...............................................12 七、G银行风参直贷产品简介的还本付息方式.......................................................12 八、G银行风参直贷产品的流程...............................................................................12 九、G银行风参直贷业务的注意事项.......................................................................13 第二节 G 银行跨境直贷产品的风险与收益................................................................ 14 一、G银行跨境直贷业务发展的风险分析...............................................................14 二、G银行跨境直贷产品的风险防控.......................................................................15 三、G银行跨境直贷产品的收益...............................................................................16 第三节 G 银行