报告：贸易金融发展整体向好，银行业仍需关注多重风险 中新网北京9月25日电 (记者 夏宾)中国银行业协会近日发布的《中国贸易金融行业发展报告(2024— 2025)》(以下称《报告》)称，在坚实的发展基础和强有力的政策支持下，银行业贸易金融业务整体保持 稳步增长态势，而在贸易金融发展整体向好的背景下，银行业仍需关注多重风险挑战。 据悉，这是中国银行业协会连续第九年发布贸易金融行业发展报告。《报告》由中国银行业协会贸易金 融专业委员会副主任单位上海浦东发展银行牵头，国家开发银行等16家常务委员会成员共同参与撰写。 《报告》称，据中国银行业协会贸易金融专业委员会不完全统计，2024年银行业国际结算量12.75万亿 美元，国内信用证结算量3.62万亿元(人民币，下同)，同比分别增长10.35%和17.89%，双双创下历史新 高；国际贸易融资业务量4884.75亿美元，较上一年小幅回落，而国内贸易融资业务量4.66万亿元，同比 增长16.35%，凸显国内大循环带动市场需求持续释放。 四是跨境贸易金融经济制裁合规风险提升，国际制裁形势呈现复杂化、多边化趋势，银行贸易金融反洗 钱和制裁合规风险应对压力进一步凸显。 《报告 ...

Group 1 - The core viewpoint of the articles revolves around the complexities and challenges of international factoring business, particularly in the context of foreign exchange controls and the risks associated with it [1][10][12] - International factoring serves to accelerate cash flow for exporters and mitigate buyer default risks, but it involves more intricate operations due to cross-border transactions [1][2] - The rise of export factoring is linked to the shift from traditional payment methods like letters of credit to more flexible credit sales, which has increased the demand for such services [2][3] Group 2 - Export factoring can be categorized into recourse and non-recourse factoring, with non-recourse factoring being more prevalent, allowing exporters to transfer both payment terms and risks [3][4] - Non-recourse factoring poses higher bad debt risks for banks and factoring companies, as they cannot pursue exporters for payment if importers default [4][5] - Risk transfer mechanisms include involving third-party institutions like insurance companies or adopting a dual factoring model to mitigate risks [5][6] Group 3 - The potential for fraudulent activities, such as fictitious trade and money laundering, can undermine the effectiveness of non-recourse agreements, allowing factoring companies to reclaim debts under certain conditions [7][8] - The complexity of cross-border transactions makes it challenging to implement digital platforms for international factoring, which are more established in domestic markets [10][11] - Current market speculation suggests that using NRA and FT accounts for circumventing foreign exchange controls is fraught with regulatory challenges and operational limitations [12]