CAJ | 학술논문

近年我国贸易迅猛发展，使贸易融资不断呈现专业化和复杂化的趋向。商业银行在该领域的竞争也日益激烈。商业银行的贸易融资存在来自于银行内部的操作风险和外部的监管环境风险。这不仅严重制约我国贸易融资业务的开展，也极有可能为商业银行造成极大的损失。防范商业银行贸易融资风险，应当通过完善立法手段建立信息披露制度及融资后追踪管理制度，明确银行的客户资信审查义务，规范融资担保，完善银行同业竞争制度等法治对策。
근년아국무역신맹발전，사무역융자불단정현전업화화복잡화적추향。상업은행재해영역적경쟁야일익격렬。상업은행적무역융자존재래자우은행내부적조작풍험화외부적감관배경풍험。저불부엄중제약아국무역융자업무적개전，야겁유가능위상업은행조성겁대적손실。방범상업은행무역융자풍험，응당통과완선입법수단건립신식피로제도급융자후추종관리제도，명학은행적객호자신심사의무，규범융자담보，완선은행동업경쟁제도등법치대책。
In recent years, the rapid development of China's trade has made trade financing continue to show the tendency of being specialized and complex. Competition between the commercial banks in this field is becoming more and more intense. The commercial banks face both the operational risks from the banks internal and the regulatory environmental risks external. This not only severely restricts the launching of China's trade financing business, but also is very likely to cause great losses to the commercial banks. This paper proposes that in order to prevent the trade financing risks of the commercial banks, we should establish information disclosure systems and tracking management systems after financing through optimizing legislation, define the bank customer credit review obligations, regulate financing guarantee and improve the rules of interbank competition.