Over the past 20 years as the expansion of the scale，quantity and scope，both parties involving in international trade are in a controversial situation between the willingness of conclusion and the fear of risks. In such case，international trade financing of commercial banks becomes a resolution for fund financingof importers and exporters. There is an obvious gap in science and management level，financial service and operation manners between international commercial banks and domestic banks.The Paper probes into international trade finance innovations and risks by applying standardized analytical method. It attaches importance on integrating theory with practice，micro with macro and comparative analysis to summarize the condition and trend of international trade finance development by vertical and horizontal comparison .