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随着我国对外开放步伐的加快,国际贸易逐年增长,各家银行信用证结算业务不断增加。同时以信用证为背景的信贷融资业务——打包贷款,为出口备贷和创汇提供了重要的资金支持和保证。但是近期来,因各家银行竞相争揽国际业务,有些银行纷纷以发放打包贷款为优惠条件来吸引客户,并将打包贷款期限延长并替代出口押汇,致使打包贷款的风险加大,质量有所下降。主要表现在以下几个方面: 1、打包放款担保落实不了。信用证结算是以银行信用为前提的国际贸易结算行为,一
With the acceleration of China’s opening up to the outside world, the international trade has been growing year by year, and the business of clearing letters of credit by banks has been steadily increasing. At the same time, the credit financing business, which is based on the letter of credit, is a packaged loan that provides important financial support and guarantee for exporting back loans and earning foreign exchange. However, in recent years, banks have been competing for international businesses. Some banks have been using packaged loans as preferential terms to attract customers and extending the term of packaged loans to substitute for export bills, resulting in an increased risk of packing loans with quality The decline. Mainly in the following areas: 1, packaged loan guarantee can not be implemented. Settlement of letters of credit is based on bank credit on the premise of international trade settlement behavior, one