RESEARCH ON THE DEVELOPMENT
STRATEGY OF INTERNATIONAL
SETTLEMENT BUSINESS OF
COMMERCIAL BANKS UNDER
INTERNET FINANCE BACKGROUND
TAKING CHINA CONSTRUCTION BANK
AS AN EXAMPLE
A Thesis Submitted to
Southeast University
For the Academic Degree of Master of Business Administration
BY
ZHU YiYun
Supervised by
Prof. HUA Jun
School of Economics and Management
Southeast University
December 2021
摘
要
摘要
伴随着当今世界经济全球化推进及多边贸易规模的不断扩大，不同国家之间在政
治、经济、军事、文化等各个领域的贸易互动更加紧密，随之而来的各个国家之间资金
的流通活动也越来越频繁。跨国间交流的日益增多致使人们对国际结算业务的需求越
来越大，国际结算业务也逐步成为各个国家探索和研究的主要问题之一。国际结算业
务以其投入较少、风险相对小、获得的收益较高等特征，充分满足了商业银行对资产的
安全性、流动性和盈利性的要求，同时带来显著的中间业务收入量，已成为各家金融机
构竞争的焦点之一。如今我国金融市场千变万化，经济走势阴晴不定，科技创新日新月
异，行业之间的市场竞争日趋激烈，商业银行面临着宏观经济转型和互联网金融的双重
冲击，我国商业银行的国际结算业务在客户、产品、营销、技术、风控等各个方面还有
许多欠缺之处和有待加以完善的地方，缺少一整套相互衔接配套、系统化的发展战略。
本文立足于当今互联网金融发展情况，分析国际结算业务发展新形势和当前面临的
主要问题。通过结合中国建设银行国际结算业务实例，运用 PEST分析法对中国建设银
行所处外部环境做了深入详细的分析，并使用 SWOT模型对中国建设银行国际结算业
务在发展中所面临的优势、劣势、机遇和威胁进行了总结。面对互联网金融发展带来的
新兴事物所产生的机遇与挑战，本文分析了建设银行国际结算业务发展过程中面临的一
些主要制约和影响因素，并就促进建行国际结算业务积极稳健发展提出了相关可行措
施，以提升国际结算业务贡献率进而增加其市场份额，为当下和未来我国商业银行国际
结算业务的进一步发展提供一些有效的策略和意见。
关键词：建设银行,国际结算,SWOT,发展策略,互联网金融
I
Abstract
Abstract
Withtheprogressofworldglobalizationandthecontinuousexpansionofmultilateraltrade,
the communications between different countries in the fields of politics, economy, military, and
culture have become closer. And the accompanying cross-border capital circulation has become
more frequent. The demand for international settlement has increased, and international set-
tlement business has gradually become one of the most important research topics in different
countries. The international settlement business meets the requirements of commercial banks
for asset safety, liquidity, and profitability due to its characteristics of less investment, less
risk, and higher returns. It can create a considerable amount of intermediary business income,
which has become a focus of competition among banks. Nowadays, with the ever-changing
financial market, uncertain economic trend, rapid development of emerging technologies and
increasingly fierce competition in the industry, there are still many defects in the international
settlement business of commercial banks in terms of customers, products, marketing, technol-
ogy, internal control, etc. Also, there is a lack of a whole set of interconnected and systematic
development strategies.
Based on the current development of Internet finance, this article analyzes the development
situationandmainproblemsoftheinternationalsettlementbusiness. TakingChinaConstruction
Bank as an example, this article analyzes the external environment of China Construction Bank
in detail by PEST analysis tool, and then analyzes the internal advantages and disadvantages,
opportunities and threats of the bank by SWOT analysis method. Facing the wave of internet
finance, finding the constraints and proposing strategies to promote the development of China
Construction Bank’s international settlement business, which increase the contribution of the
international settlement business and increase market share, with a view to provide feasible
suggestions for the further development and expansion of the international settlement business
of Chinese commercial banks.
Keywords: China Construction Bank,International settlement business,SWOT, Development
Strategies,Internet Finance
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