中国银行国际化研究

发布时间：2018-01-08 17:30

本文关键词：中国银行国际化研究　出处：《中国地质大学（北京）》2013年硕士论文　论文类型：学位论文

【摘要】：随着中国改革开放的逐渐深入，国内企业加入海外市场的程度在不断加深，截至2012年第一季度末，我国内地的对外投资遍布全球178个国家和地区中的1.8万家境外企业，对外直接投资累计金额达3938.3亿美元。此外，中国银行业面临的另外一个重大的机遇就是人民币国际化。人民币国际化的步伐在不断加快，目前结算品种已涵盖所有经常项目和资本项下的直接投资业务，香港市场已经形成最大的人民币离岸中心，伦敦、新加坡也在建设人民币离岸中心。随着人民币国际化进程加快推进、跨境交易日益增多，人民币“在岸”、“离岸”市场相互影响将不断加深。随着中国企业“走出去”和人民币国际化加速，境外金融业务大有可为。本文的主要目的就是对中国国际化程度最高的中国银行进行全面分析，，探讨国际化发展的经验规律。本文主要采取与大型跨国银行对比分析的方法。首先对汇丰银行、花旗银行、荷兰银行三家大型跨国银行的国际化道路做了简要的介绍。本文在第四章，从机构国际化、业务国际化、人才国际化、管理国际化、股东国际化五个方面对中国银行的国际化道路进行了全面系统的分析，通过与三家大型跨国银行的对比分析，其中主要将汇丰银行作为主要的对比分析对象，得出结论：中国银行在机构国际化的推进上面虽然存在一些不足，但是已经基本实现了机构国际化，实现了全球布局的海外网络建设；但在其他四个方面，中国银行国际化发展水平比较低，与世界大型跨国银行水平差距较大。接下来，本文分析了影响银行国际化的主要因素，这些因素包括：母国因素、东道国因素、银行自身因素。通过对影响因素的分析和对银行的宏观环境、产业环境、内部环境的分析，可以得出目前的态势对于银行跨国发展非常有利。最后本文提出了几点浅显建议：制定明确的发展战略；增加跨国并购，全球合理布局，实现机构国际化；调整业务结构，加强自主创新，实现业务国际化；注重吸引和培养人才，实现人才国际化；完善公司治理结构，实现股东国际化；设置合理的国际化内部组织制度，实现管理的国际化。在这几点意见中，本文尤其强调银行海外并购对于解决当前银行面临问题所起的作用。
[Abstract]:With the deepening of China's reform and opening up, the degree of domestic enterprises to join the overseas market is deepening, until the end of in the first quarter of 2012. There are 18,000 overseas enterprises in 178 countries and regions in the mainland of China, and the total amount of FDI is 393.83 billion US dollars. Another major opportunity for Chinese banks is the internationalisation of the renminbi, which is accelerating and now covers all current account and capital direct investment activities. The Hong Kong market has become the largest offshore hub for the renminbi, while London and Singapore are also building offshore centres. As the internationalization of the renminbi accelerates, cross-border transactions are increasing, and the renminbi is "onshore". The "offshore" market will increasingly interact with each other. As Chinese companies "go out" and the internationalization of the renminbi accelerates. The main purpose of this paper is to make a comprehensive analysis of the Chinese banks with the highest degree of internationalization and to explore the rules of the development of internationalization. This paper mainly adopts the method of comparative analysis with large multinational banks. Firstly, it briefly introduces the internationalization road of HSBC, Citibank and Dutch Bank. This article is in Chapter 4th. This paper makes a comprehensive and systematic analysis of the internationalization of Bank of China from five aspects: institutional internationalization, business internationalization, talent internationalization, management internationalization and shareholder internationalization. Through the comparative analysis with three large multinational banks, mainly HSBC Bank as the main comparative analysis object, draw a conclusion: the Bank of China in the promotion of institutional internationalization although there are some shortcomings. But has basically realized the organization internationalization, has realized the global layout overseas network construction; However, in the other four aspects, the level of internationalization of the Bank of China is relatively low, compared with the level of large multinational banks in the world. Next, this paper analyzes the main factors that affect the internationalization of banks. These factors include: home country factor, host country factor, bank's own factor, through the analysis to the influence factor and to the bank's macroscopic environment, the industrial environment, the internal environment analysis. It can be concluded that the present situation is very favorable for the transnational development of banks. Finally, this paper puts forward some simple suggestions: to formulate a clear development strategy; Increase cross-border M & A, global rational layout, realize the internationalization of institutions; Adjust business structure, strengthen independent innovation, realize business internationalization; Pay attention to attract and train talents, realize the internationalization of talents; Perfecting the corporate governance structure and realizing the internationalization of shareholders; In these opinions, this paper especially emphasizes the role of banks' overseas mergers and acquisitions in solving the current problems faced by banks.
【学位授予单位】：中国地质大学（北京）
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

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