对流程的控制,尤其是对物流、资金流和信息流的控制,成为银行研发贸易融资新产品的契机和出发点。贸易融资,是银行为进出口双方提供的短期资金融通。巴塞尔协议将其定义为“在商品交易中,银行利用结构性短期融资工具,基于商品交易中的存货、预付款、应收账款等资产的融资”。贸易融资贯穿于整个国际贸易链条中。物流、现金流是贸易的重要载体,同时也是贸易融资风险控制的主线和关键。目 Control of the process, especially the control of logistics, capital flow and information flow, has become the turning point and starting point for banks to develop new products for trade financing. Trade financing is the short-term financing provided by banks for both importers and exporters. The Basel Accords define it as “In commodity trading, banks use structured short-term financing instruments based on financing of assets such as inventories, advances and receivables in commodity trading.” Trade finance runs through the entire international trade chain. Logistics and cash flow are important carriers of trade and the main line and key of trade financing risk control at the same time. Head