摘要:近年来，随着经济全球化速度的不断加快，我国对外开放程度也不断深入，对外贸易总量不断增长、贸易商品结构和贸易主体持续优化。在为国民经济的增长做出贡献的同时也为发展国际贸易融资业务开辟了广阔的空间。而我国商业银行国际贸易融资业务发展起步晚，发展进程一直落后于国际贸易发展的需要。并且在金融业对外开放的背景下，外资银行不断涌入，充分发挥其在国际贸易融资业务方面的优势，加剧了我国商业银行国际贸易融资业务的竞争。

    另外，我国金融业紧跟巴塞尔Ⅲ的步伐，加大了资本监管的强度。随着我国国际贸易的蓬勃发展以及业务竞争的不断加剧，在资本约束的环境下，国际贸易融资业务凭借其自偿性强、流动性好、风险性低、资本占用少的特点，成为我国商业银行提升国际竞争力的切入点。本文在对国际贸易融资相关概念理解的基础上，对我国商业银行国际贸易融资业务发展现状进行了分析研究，同时找出了该业务发展过程中的问题及原因，进而提出了提升国际贸易融资业务国际竞争力的对策建议。

关键词：国际贸易融资；商业银行；融资创新

Abstract:In recent years, as the economic globalization accelerating and China’s economy opened to the outside world, China's foreign trade volume grow rapidly, the structure of products and the subject of trade get optimized gradually. While contributing to the growth of national economy, it also opened up a vast space for the international trade financing business. But the international trade financing business development of commercial banks in China started very late, the development process is far behind to the development of international trade. At the same time, under the background of the opening up of China’s financial industry, a continuous influx of foreign banks, which give full play to its international trade financing business advantages.In this case, the competition on the international trade financing business of commercial banks in China is so fiercely.

　　　In addition, following the pace of Basel III, the capital supervision of China's financial industry gets strengthened. Along with the rapid development of international trade and the increasing business competition, in the capital constraint environment, the international trade financing business, with its features of self-liquidating strong, good liquidity, low risk, occupying less captial, becomes the entry point of China's commercial banks to enhance international competitiveness. Based on the related concepts of international trade financing, this paper analyses the current situation of international trade financing business of commercial banks in China, and identifies the problems and reasons of the development of this business, then puts forward corresponding countermeasures and suggestions to enhance China's international competitiveness of the business.

Keywords: International trade finance; Commercial Banks; Trade financing Innovation