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MBA毕业论文_际贸易争端对H银行国际结算业务的影响及对策分析PDF

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随着经济全球化和一体化进程的推进,国家间、地区间经贸联系不断加强,经济和 贸易往来不断增多,商业银行间国际结算业务飞速发展。我国己成为世界第二经济体, 与世界上大多数国家都建立了良好的贸易关系,国际结算业务种类越来越多,规模也越 来越大。在急速变化的国际市场环境中,我国蓬勃发展的国际贸易也伴随大量贸易摩擦。 日益突出的国际贸易争端对我国商业银行的国际结算业务造成重要的影响,增加了结算 产品的业务风险、汇率风险、信用风险、行业风险,提高了银行的贷款不良率,降低了 国际结算业务贸易结算量,导致了商业银行国际结算业务收益的大幅度下降。 本文基于作者在H银行国际结算业务部门的工作体会,通过对比H银行在国际贸 易争端加剧前后的相关业务数据,从出口业务、进口业务、贸易增值业务和贸易融资业 务四个方面梳理国际贸易争端对国际结算业务发展的影响,并从客户、产品、风险把控、 从业人员素质四个方面分析,国际贸易争端冲击国际结算业务的路径及原因。研究发现, 国际结算业务客户群的薄弱、H银行国际结算业务产品的单一、对风险把控的不严格和 国际结算从业人员素质待提高这几个原因,造成了国际贸易争端对国际结算业务的冲 击,最终致使国际结算收益的大幅度减少。 在此基础上,本文提出以下对策建议。一、拓展客户群。重视宣传力度,加强营销 手段。利用支付环节的全球清算优势,挖掘潜在客户,扩大客户业务范围。二、创新金 融产品。跨部门合作,创新产品,满足客户需求的同时,增加客户粘性,最终达成银企 双赢。积极拓展海外联行业务,提供业务的综合报价。三、全流程把控金融风险。针对 信用风险,制定收支环节具体管控措施。针对国别和行业风险,做好贸易背景调查。针 对市场风险,增强跨境人民币业务发展。四、提高人员业务水平。培育专业国际结算产 品经理团队。优化培训工作,提高现有人员素质。 本文的研究结论有助于中资商业银行有效降低国际贸易争端所带来的影响,有效保 证中资商业银行国际结算收益。同时,也为银行国际结算客户规避和减缓国际贸易争端 对自身业务的影响提供有益参考。 关键词:国际贸易争端,国际结算,H银行,影响,对策分析 III ABSTRACT With the advancement of economic globalization and integration, economic and trade links between countries and regions have been continuously strengthened, economic and trade exchanges have continued to increase, and international settlement business among commercial banks has developed rapidly. China has become the world's second economy, and has established good trade relations with most countries in the world. There are more and more types of international settlement business, and the scale is getting larger. In the rapidly changing international market environment, China's booming international trade is also accompanied by a large number of trade frictions. The increasingly prominent international trade disputes have had an important impact on the international settlement business of China's commercial banks, increasing the business risk, exchange rate risk, credit risk, and industry risk of settlement products, increasing the bank's non-performing loan ratio, and reducing the traditional settlement business trade. Settlement. Based on the existing literature, this paper analyzes the impact of international trade disputes on the bank's international settlement business by taking the traditional settlement products, value-added trade products, and trade financing products of H Bank's international settlement business as the starting points. Dimension, specifically analyzes the impact of the Sino-US trade dispute escalation to the H-bank international settlement business after the Sino-US trade war, and gives corresponding countermeasures. This article takes the international settlement business of H Bank as the research object, and uses methods such as case analysis and inductive summary to study the impact of international trade disputes on the international settlement business of H Bank from different dimensions, and analyzes the effects of international trade disputes on international settlement business. Risk, which products bring these risks, how to affect business development, and then combine some cases encountered in actual work and the case of the Sino-US trade war to analyze, and finally propose five countermeasures against these negative factors They are: paying attention to the transaction payment link, formulating control measures for foreign exchange revenue and expenditure; strictly reviewing the trade background, and comprehensively analyzing the situation of counterparties and the countries where the counterparties are located; we must not relax our vigilance against trade value-added and credit-enhancing businesses and pay attention to risk IV prevention; The department cooperated to innovate products; promoted the development of cross-border RMB business. The research conclusions of this article help Chinese-funded commercial banks effectively manage the risks brought by international trade disputes, and also provide useful references for banks' international settlement customers to avoid and mitigate the impact of international trade disputes on their own business. KEY WORDS: international trade dispute, international settlement, exchange rate, letter of credit, H bank V 目 录 摘要...................................................................................................................................I ABSTRACT.....................................................................................................................III 第一章 绪论......................................................................................................................1 1.1 研究背景及意义.....................................................................................................1 1.1.1 研究背景..........................................................................................................1 1.1.2 研究意义..........................................................................................................2 1.2 文献综述.................................................................................................................2 1.2.1 国际贸易争端文献综述..................................................................................2 1.2.2 国际结算文献综述..........................................................................................4 1.3 研究内容和研究方法.............................................................................................6 1.3.1 研究内容..........................................................................................................6 1.3.2 研究方法..........................................................................................................7 第二章 理论基础..............................................................................................................9 2.1 理论背景.................................................................................................................9 2.1.1 现代贸易理论..................................................................................................9 2.1.2 信息不对称理论............................................................................................10 2.2 国际贸易争端.......................................................................................................12 2.2.1 国际贸易争端概念........................................................................................12 2.2.2 国际贸易争端特点........................................................................................13 2.3 国际结算业务.......................................................................................................13 2.3.1 国际结算业务概念........................................................................................14 2.3.2 国际结算的方式与特征................................................................................14 第三章 国际贸易争端对H银行国际结算业务的影响...............................................17 3.1 对出口业务的影响...............................................................................................17 VI 3.2 对进口业务的影响...............................................................................................20 3.3 对贸易增值业务的影响...........................