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MBA硕士毕业论文_兴银行国际贸易融资业务的发展策略研究

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近年来,我国不断推进人民币国际化和一带一路发展战略,成为助 推国际贸易前行的动力。国家宏观政策上,我国逐步放宽外汇管理政策, 提高对外贸易的便利化程度。然而,随着利率市场化改革的不断深入, 我国银行业也开始全面深化改革,商业银行依靠的存贷款利差收益逐渐 收窄,进一步阻碍了其利润的增长。同时,我国经济下行压力持续增大, 银行传统信贷业务的利润空间逐渐被挤压,风险却日益加大。在此环境 下,商业银行要实现利润的可持续増长,就需要在传统存贷业务之外寻 找新的利润増长点。 如果国际贸易是促进国家经济发展的引擎,那么国际贸易融资就是 助推经济发展的润滑剂。国际贸易融资业务以真实的贸易背景为基础, 具有融资期限短、综合收益高、资产占用少、风险系数小等特点,不仅 是解决中小企业融资难、融资贵等问题的重要途径,也成为商业银行推 动经营模式转型、提高综合收益的优先选择。因此,发展国际贸易融资 业务对商业银行有着十分重要的意义。 绍兴银行股份有限公司是浙江省绍兴市地方性法人银行,自 2004 年底获批开办国际业务,经过 15 年的努力,绍兴银行国际业务在经营 规模、业务品种、服务能力和经营效率等方面取得了一定的成绩。2005 年,绍兴银行开始办理国际贸易融资业务,经过这些年的发展,产品种绍兴银行国际贸易融资业务的发展策略研究 类不断丰富,客户资源逐步积累,业务量不断增加。然而,绍兴银行在 国际贸易融资业务发展的过程中,也存在着一系列问题。 本文是在进出口贸易蓬勃发展、国际贸易融资竞争加剧的背景下, 探索绍兴银行国际贸易融资发展的相关问题,旨在帮助绍兴银行解决这 些存在的问题,为这项业务的发展提供一个清晰、严谨、科学的发展方 向。本文借鉴了“自偿性贸易融资理论”、“结构性贸易融资理论”、 “供应链融资理论”和“金融创新理论”的相关内容,并结合绍兴银行 的实际情况,寻找推动绍兴银行国际贸易融资业务发展的对策。因此, 本文能为绍兴银行的实际工作提供借鉴,具有一定的理论和实践意义。 本文选取绍兴银行作为研究对象,具体步骤如下: 第一步,统计整理绍兴银行国际贸易融资业务的内部数据,对该业 务的发展现状进行分析,包括国际贸易融资的业务量、产品以及客户情 况。 第二步,通过问卷调查的形式,对绍兴银行的外贸型企业发放调查 问卷,对企业的基本情况、融资需求、融资情况、融资方式等进行了详 细地调查研究,并分析出企业客户贸易融资特点,细分市场。 第三步,在问卷分析的基础上,结合数据深入研究绍兴银行发展国 际贸易融资业务的存在的问题,并分析问题背后的原因,主要包括经营 理念、准入门槛、业务流程、创新能力、营销能力和风险管理六大方面。 第四步,根据绍兴银行国际贸易融资业务存在的问题分别从转变经 营理念、降低准入门槛、简化业务流程、推进产品创新、加强营销力度、 深化风险管理这几个方面制定具体的策略,并提出通过组织、人才和科绍兴银行国际贸易融资业务的发展策略研究 技三方面措施来保障绍兴银行国际贸易融资业务策略的顺利实施。 关键词: 绍兴银行,国际贸易融资,发展策略绍兴银行国际贸易融资业务的发展策略研究 RESEARCH ON THE DEVELOPMENT STRATEGY OF SHAOXING BANK'S INTERNATIONALTRADE FINANCE BUSINESS ABSTRACT In recent years, China has continuously promoted the internationalization of the RMB and the development strategy of the Belt and Road Initiative, which has become the driving force for the advancement of international trade. In terms of national macroeconomic policies, China has gradually relaxed its foreign exchange management policies and increased the degree of facilitation of foreign trade. However, with the continuous deepening of the interest rate marketization reform, China's banking industry has also begun to deepen the reform in an all-round way. The deposit and loan spreads that commercial banks rely on have gradually narrowed, further hindering the growth of their profits. At the same time, the downward pressure on China's economy continues to increase, and the profit margin of the bank's traditional credit business is gradually being squeezed, and the risks are increasing. In this environment, in order for commercial banks to achieve sustainable profit growth, they need to find new profit margins beyond the traditional deposit and loan business. If international trade is the engine that promotes national economic development, then international trade financing is a lubricant to boost economic development. Based on the real trade background, the international trade finance business has the characteristics of short financing period, high comprehensive income, low asset occupation and small risk coefficient. It is not only an important way to solve the problems of financing difficulties and financing for SMEs, but also become a business. Banks promote the transformation of business models and绍兴银行国际贸易融资业务的发展策略研究 increase the priority of comprehensive income. Therefore, the development of international trade finance business is of great significance to commercial banks. Shaoxing Bank Co., Ltd. is a local legal person bank in Shaoxing City, Zhejiang Province. It has been approved to open an international business since the end of 2004. After 15 years of hard work, Shaoxing Bank's international business has achieved in terms of scale of operation, business variety, service capability and operational efficiency. Certain results. In 2005, Shaoxing Bank began to handle international trade finance business. After years of development, the product variety has been continuously enriched, customer resources have gradually accumulated, and business volume has been increasing. However, Shaoxing Bank also has a series of problems in the process of international trade financing business development. This paper explores the issues related to the development of Shaoxing Bank's international trade finance in the context of the booming import and export trade and the intensification of international trade financing competition. It aims to help Shaoxing Bank solve these problems and provide a clear picture for the development of this business. Rigorous and scientific development direction. This paper draws on the relevant content of “self-compensated trade financing theory”, “structural trade financing theory”, “supply chain financing theory” and “financial innovation theory”, and combines the actual situation of Shaoxing Bank to find and promote Shaoxing Bank international trade. Countermeasures for the development of financing business. Therefore, this paper can provide reference for the actual work of Shaoxing Bank, which has certain theoretical and practical significance. This paper selects Shaoxing Bank as the research object, the specific steps are as follows: The first step is to organize and analyze the internal data of Shaoxing Bank's international trade financing business, and analyze the development status of the business, including the business volume, products and customers of international trade financing.绍兴银行国际贸易融资业务的发展策略研究 The second step is to conduct a questionnaire survey on the foreign trade enterprises of Shaoxing Bank through the form of questionnaire survey, and conduct detailed investigation and research on the basic situation, financing needs, financing situation and financing methods of the enterprise, and analyze the trade finance of corporate customers. Features, market segments. The third step is based on the analysis of the questionnaire and the in-depth study of the existence of Shaoxing Bank's development of international trade financing business, and analyze the reasons behind the problem, including business philosophy, entry barriers, business processes, innovation capabilities, marketing. Six aspects of capacity and risk management. The fourth step is to formulate specific strategies based on the problems of Shaoxing Bank's international trade financing business, such as changing business concepts, reducing barriers to entry, streamlining business processes, promoting product innovation, strengthening marketing efforts, and deepening risk management. It proposes to ensure the smooth implementation of Shaoxing Bank's international trade financing business strategy through measures of organization, talents and technology. KEYWORDS: shaoxing bank,international trade finance,strategy绍兴银行国际贸易融资业务的发展策略研究 目 录 第一章 绪论............................1 第一节 选题背景与研究意义....................... 1 一、选题背景.................1 二、研究意义.................2 第二节 文献综述............ 3 一、国内相关研究.........3 二、国外相关研究.........4 第三节 研究思路与论文框架....................... 5 一、研究思路.................5 二、论文框架.................6 第四节 研究创新与不足之处....................... 7 一、创新之处.................7 二、不足之处.................7 第二章 国际贸易融资概述及业务发展现状分析.............................9 第一节 国际贸易融资概述........................... 9 一、基本概念.................9 二、基本理论...............11 第二节 绍兴银行国际贸易融资业务发展现状........................14 一、绍兴银行概述.......14 二、绍兴银行国际贸易融资业务发展现状分析.....................15 第三章 绍兴银行国际贸易融资需求及存在问题分析...................23 第一节 基于问卷调查的客户贸易融资需求特征分析............23 一、问卷设计的目的及内容......................23绍兴银行国际贸易融资业务的发展策略研究 二、绍兴银行的企业客户基本情况分析..23 三、企业客户的融资需求情况分析..........26 四、绍兴银行的企业客户融资方式及用途分析.....................28 五、绍兴银行企业客户贸易融资特点分析.............................31 第二节 绍兴银行国际贸易融资业务发展中存在的问题........32 一、经营理念传统问题..............................32 二、准入门槛过高问题..............................33 三、业务流程冗长问题..............................34 四、创新能力不足问题..............................35 五、营销能力不足问题..............................36 六、风险管理混乱问题..............................37 第四章 绍兴银行国际贸易融资业务的发展策略与保障措施.......39 第一节 绍兴银行国际贸易融资业务发展策略........................39 一、转变经营理念.......39 二、降低准入门槛.......40 三、简化业务流程.......41 四、推进产品创新.......41 五、加强营销力度.......43 六、深化风险管理.......44 第二节 绍兴银行国际贸易融资业务发展策略的保障措施....45 一、组织保障...............45 二、人才保障...............46 三、科技保障...............46 第五章 结论与展望..............47 第一节 研究结论.......... 47 第二节 研究局限与展望.............................48绍兴银行国际贸易融资业务的发展策略研究。。。。。。以下内容略