I
摘要
银行国际业务指的是银行业务从封闭走向开放，业务由本土发展到海外，
包括到海外设立分支机构或者通过代理机构进行各项业务经营拓展。而在我国
商业银行不断迈向国际化道路的同时，工行、中行已在海外市场站稳脚跟，而
农业银行相对于前者起步晚，而地处泉州的国际业务，随着人民币国际化、企
业“走出去”战略、“一带一路”倡议以及自贸区建设等，正在积极探索，寻找具有
农业银行泉州特色的国际业务提升之路
当前我们所处的是一个经济、金融全球化的世界，在逐步开放金融市场的
背景下，结合地域特色对于农业银行泉州分行如何实现国际业务提升进行深入
研究，具有重要的理论和现实意义。为顺应市场变化、适应多变的经济形势，
本文通过对全球金融环境、泉州地方特色、客户结构等，结合最新数据进行多
方位比较，对农业银行泉州分行当前国际业务情况进行了系统详尽分析，同时
借鉴同业先进经验，为研究提供更具针对性和操作性的建议。提出了农业银行
泉州分行业务发展应继续立足本土市场，从清晰产品定位、优化服务方案、增
加服务方式、改变用人计划、提高业务效率等多维度提升农行的国际业务水平，
从而最终实现国际业务市场占有率提升
关键词：泉州农行国际业务地域特色
III
Abstract
The internationalization of banks business refers that banks set up branches and
undertake extention and operation overseas while maintaining their domestic
financial businesses to confront the competitive situation, pursue profits and satisfy
their needs of further development, transiting from self-imposed isolation to opening.
When our commercial banks are taking their ways of internationalization, the
Industrial and Commercial Bank of China(ICBC) and the Bank of China(BOC) have
found their stable overseas markets. As for the Agricultural Bank of China(ABC), it
began a little bit later but is taking an active part in changing to explore the road of
business internationalization with ABC，Quanzhou branch’s characteristics along
with RMB internationalization, enterprises going-out, the Belt and Road and
construction of free trade areas.
Nowadays，we are in an economic and financial globalization world.In the
background of gradual opening, it has an important theoretical and practical
meaningful for of Agricultural Bank,Quanzhou branch to combine regional
characteristics and how to achieve increasing international business research. In order
to adapt to changes in the market and changeable economic situation. This paper base
on the global financial environment, Quanzhou local characteristics, customer
structure and so on, comparing the combining and lastest data. At the same time, I
take an example from the same occupations and analyze the current international
business stations of Agricultural bank of China,Quanzhou branch，which provide a
targeted and Operational suggestions. I suggest that Quanzhou branch of Agricultural
Bank should base on the local market to develop business, beginning with clear
product positioning, the optimization of service scheme, the increase of service mode,
the change of the employee plan and the improvement of business efficiency to
increase the level of business of Agricultural Bank of China,Quanzhou branch, So as
to achieve international market share.
IV
Key words：The Agricultural Bank of China(ABC)，QuanZhou Branch
International businessRegional characteristics。