银行应充分了解进、出口商的贸易背景、资信情况和履约能力,并采取必要措施掌控出口商业发票融资回款的主动权。作为一种贸易融资工具,出口商业发票融资工具有利于出口商加速资金周转、规避汇率风险。然而,对于融资行而言,出口商业发票融资也蕴含着较大的风险。风险之一,是融资行难以掌握真实的贸易情况。在办理出口商业发票融资业务时,融资行会要求企业提供出口 Banks should fully understand the trade background, creditworthiness and performance abilities of importers and exporters and take the necessary measures to control the initiative of exporting commercial invoices for financing the repayment. As a trade financing tool, export commercial invoice financing tools help exporters accelerate capital turnover and avoid exchange rate risk. However, for the financing line, the export business invoicing financing also contains a greater risk. One of the risks is that it is difficult for financing firms to grasp the real trade situation. When applying for export commercial invoice financing business, the financing guild requires the enterprises to provide export