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90年代以来,随着我国对外开放的不断深化以及外向型经济水平的迅速提高,银行的进出口结算业务发展很快。总行早在92年的“黄山会议”上即提出我行的国际结算业务要由代收代付向授信融资方向转变,目的是同国际惯例接轨,同时也是为了给我国的外向型经济发展提供更加优良的金融服务。但近几年来,国际结算业务在向授信融资方向转变后逐渐出现了一些问题,主要体现为结算垫款大量增加,有的行结算垫款甚至占全行整个不良资产的相当大的比例,尤其是进口信用证业务,过去是传统的全额保证金开证,银行几乎不承担任何风险,而现在的进口信
Since the 1990s, with the deepening of China’s opening to the outside world and the rapid increase of the export-oriented economy, the bank’s import and export settlement business has developed rapidly. As early as 92 years ago, the head office proposed that the international settlement business of our bank should be shifted from collection and payment to the direction of credit financing in order to conform with the international practice and at the same time to give our country the outward-oriented economic development Provide more excellent financial services. However, in recent years, some problems have gradually emerged in the international settlement business after the transfer of credit financing. This is mainly reflected in the substantial increase in settlement advances and the fact that some line settlement advances even account for a considerable proportion of the entire non-performing assets of the Bank. In particular, Is the import letter of credit business, the past is the traditional full margin issuance, the bank almost does not assume any risk, and now the import letter