目前我国已成为世界第二大经济体，并且随着中国在全球贸易分工中的作用愈加凸显，中国的商业银行和企业参与全球经济的广度和深度不断加强。因此，为满足企业的国际化发展，商业银行纷纷优化国际业务，推出可以满足不同企业群体的国际贸易融资业务，在提升我国国际贸易竞争力的同时也为商业银行开辟了新的盈利空间。与大型商业银行相比，农商行无论是资金规模、运营能力还是品牌知名度，都有着较大的差距，这也一定程度上导致了农商行管理国际贸易融资业务风险的能力相对较弱。在此背景下，有必要对农商行国际贸易融资风险管理进行研究。

本文结合风险管理的相关理论，以D农商行为例，在梳理其现状及风险管理存在问题的基础上，分析D农商行国际贸易融资业务在风险识别、风险评价及风险控制方面存在问题；借鉴文献研究法和访谈法识别出D农商行贸易融资风险因素包括信用风险、操作风险、市场风险和国家风险；采用层次分析法对D农商行的贸易融资风险因素赋权，发现D农商行信用风险、国家风险、操作风险、市场风险的权重依次降低；采用模糊综合评价法对D农商行的贸易融资风险因素进行评价，发现D农商行的贸易融资业务中，风险由大到小排序为信用风险、操作风险、市场风险和国家风险，并依据评价结果提出相应风险控制建议。本文研究结论对提升D农商行和其他商业银行国际贸易融资风险管理水平具有一定参考意义。

China has become the world's second largest economy, and with the increasingly prominent role of China in the global trade division of labor, China's commercial banks and enterprises continue to deepen their participation in the global economy. Therefore, in order to meet the internationalization development of enterprises, commercial banks have optimized international business and launched international trade financing business that can meet the needs of different enterprise groups, which not only enhances the competitiveness of China's international trade, but also opens up new profit space for commercial banks. However, compared with large commercial banks, agricultural and commercial banks have a large gap in terms of capital scale, operation capacity and brand awareness, which leads to a greater risk of international trade financing business of agricultural and commercial banks. In this context, it is necessary to study the risk management of international trade financing of agricultural and commercial banks.

This paper combines the relevant theories of risk management, In the case of D agricultural business behavior, On the basis of analyzing its current situation and the existing problems in risk management, Found the problems in the risk identification, risk evaluation and risk control of D Rural Commercial Bank's international trade financing business; Using the literature research method and the interview method, the trade financing risk factors of D rural commercial bank include credit risk, operational risk, market risk and national risk; The hierarchical analysis method is adopted to empower the trade financing risk factors of D Rural Commercial Bank, It is found that the weight of credit risk, national risk, operational risk and market risk of D rural commercial bank is reduced successively; The fuzzy comprehensive evaluation method was used to evaluate the trade financing risk factors of D Rural Commercial Bank, Found that in the trade financing business of D Rural Commercial Bank, Risk is ranked from large to small to operational risk, Credit, market risk, and national risk,and according to the evaluation results to put forward the corresponding risk control suggestions. The conclusion of this paper has certain reference significance for improving the risk management level of international trade financing of D Rural commercial Bank and other commercial banks.