招商银行中小企业离岸业务发展及策略研究

发布时间：2018-03-31 13:07

本文选题：离岸银行业务　切入点：招商银行　出处：《华中科技大学》2013年硕士论文

【摘要】：受到国际形势和金融危机的影响，我国即将迎来人民币国际化的重大变革，离岸金融业务将扮演我国商业银行与国际接轨的重要角色。近些年中小企业在我国经济中的地位越来越重要，国际化需求增加。招商银行中小企业离岸业务无法满足日益增加的客户需求，本文研究了招商银行中小企业离岸业发展策略，对增强招商银行离岸业务乃至招商银行的核心竞争力都具有重要的现实意义。本文主要采用文献研究法，从宏观环境和市场竞争角度出发，对招商银行中小企业离岸业务发展现状进行分析。中小企业离岸业务具有中小企业和离岸业务的双重特征，中小企业对离岸业务的认识程度，离岸银行产品以及银行风险控制能力都会影响中小企业离岸业务的发展。随着国内经济发展，中小企业跨国经营的需求随之增加，招商银行要提升同业竞争力必须发展中小企业离岸业务。招商银行中小企业离岸业务目前存在资源分配不足、激励机制不完善及客户风险管理模式单一等问题。本文使用SWOT分析法进一步分析了招商银行发展中小企业离岸业务的内部环境和外部环境，结合招商银行丰富的离岸业务经验、良好的服务品牌优势，以及国内上海自贸区成立所带来的重大机遇等，提出了招商银行中小企业离岸业务发展策略：与中小企业客户形成战略合作伙伴关系，主动发掘其离岸业务需求，根据中小企业特点开发针对性的中小企业离岸业务产品。最后对实施以上发展策略所存在的风险进行了分析，中小企业客户管理不规范，客户信息识别存在困难，，难以准确进行风险评级。借鉴新加坡银行和美国的富国银行先进的中小企业风险管理经验，提出从管理架构、制度及系统方面搭建中小企业风险管理体系，同时细化中小企业客户识别制度的中小企业离岸业务风险管理建议。
[Abstract]:Affected by the international situation and the financial crisis, China is about to usher in major changes in the internationalization of the renminbi. Offshore financial business will play an important role in the international integration of Chinese commercial banks. In recent years, the status of small and medium-sized enterprises (SMEs) in China's economy has become more and more important. The offshore business of China Merchants Bank can not meet the increasing demand of customers. This paper studies the development strategy of SME offshore industry of China Merchants Bank. It has important practical significance to enhance the offshore business of China Merchants Bank and even the core competitiveness of China Merchants Bank. This article mainly adopts the literature research method, from the macroscopic environment and the market competition angle, carries on the analysis to the China Merchants Bank small and medium-sized enterprise offshore business development present situation, the small and medium-sized enterprise offshore service has the small and medium-sized enterprise and the offshore service dual characteristic, The degree of understanding of offshore business, offshore banking products and risk control ability of small and medium-sized enterprises will affect the development of offshore business of small and medium-sized enterprises. With the development of domestic economy, the demand for transnational operation of small and medium-sized enterprises will increase. China Merchants Bank must develop the offshore business of small and medium-sized enterprises in order to enhance the competitiveness of its peers. At present, there is insufficient allocation of resources for the offshore business of China Merchants Bank. This paper further analyzes the internal and external environment of China Merchants Bank to develop the offshore business of small and medium-sized enterprises by using the SWOT analysis method, combined with the rich offshore business experience of China Merchants Bank. The advantages of good service brand and the great opportunities brought by the establishment of Shanghai Free Trade Zone, etc., put forward the development strategy of China Merchants Bank for small and medium-sized enterprises (SMEs): forming strategic partnership with SME customers, Explore the demand of offshore business actively, develop the targeted offshore business products according to the characteristics of small and medium-sized enterprises. Finally, the risk of implementing the above development strategy is analyzed, and the customer management of small and medium-sized enterprises is not standardized. There are difficulties in identifying customer information and it is difficult to carry out risk rating accurately. Based on the advanced risk management experience of Singapore Bank and Wells Fargo Bank of the United States, this paper puts forward a management framework. In system and system, the risk management system of SMEs is set up, and the risk management suggestion of SME offshore business is also given.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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