我国商业银行跨国经营中的风险管理研究

发布时间：2018-01-19 01:26

本文关键词： 商业银行跨国经营风险管理　出处：《浙江工业大学》2012年硕士论文　论文类型：学位论文

【摘要】：二十世纪九十年代以来,随着经济金融全球化的进一步发展和跨国并购的风行,跨出国门设立海外机构、经营跨国业务已经成为我国商业银行改革和发展的趋势。入世过渡期的结束为我国商业银行的跨国经营提供了更为广阔的发展空间,我国商业银行的境外机构的数量和境外业务量均呈逐年攀升的态势。同时,根据商业银行追随客户动因原理,我国商业银行的跨国经营会随我国进出口贸易和对外直接投资的快速增加而快速增长。这两方面都表明我国商业银行的跨国经营会进一步发展。与国际知名跨国银行近百年的实践经验不同,我国绝大部分商业银行在二十世纪八十年代才开始走出跨国经营的第一步,相对而言我国商业银行境外机构数量不多,规模也较小,更重要的是对跨国经营所面对的各种风险管理经验较少。跨国经营使我国商业银行进入新的经营环境,参与新市场的竞争,面临的风险更加复杂多变,其中的国别风险、汇率风险和操作风险是这些风险中最重要的风险,因此,在日趋激烈的国际化竞争中,对如何管理这些风险进行深入分析和研究,成为确保我国商业银行风险管理有效性的重要组成部分。本文试图全面介绍我国商业银行跨国经营中将遇到的国别风险、汇率风险和操作风险,分析其内涵和特殊性,较为全面和系统地论述了对这三种风险的管理方法,结合西方发达国家商业银行在跨国经营中的先进管理经验,对我国商业银行有效管理跨国经营中的风险提出对策和建议。本文共分五部分研究我国商业银行跨国经营活动中的风险管理问题。第一部分为引言,主要介绍本文选题的背景、研究现状以及本文的研究思路和篇章结构安排；第二部分对我国商业银行跨国经营中所面临的国别风险、汇率风险、操作风险进行现实分析,重点分析我国商业银行跨国经营中这三种风险的管理现状及存在问题；第三部分,对照国外商业银行跨国经营中风险管理的先进经验,分析我国商业银行跨国经营中风险管理的不足,同时辅以汇丰集团在跨国经营中风险管理的例证,分析和评价其在对国别风险管理、汇率风险管理及操作风险管理方面的流程和方法,从中获取对我国商业银行跨国经营风险管理的有益经验。第四部分提出强化我国商业银行跨国经营风险管理的相关对策,认为应该从构建我国商业银行跨国经营有效风险管理体系、强化国别风险管理、优化汇率风险管理、完善操作风险管理等方面来强化商业银行跨国经营中的风险管理,并采用跨文化管理战略对商业银行跨国经营的特殊性提出针对性的管理措施。第五部分为结论。
[Abstract]:Since 1990s, with the further development of economic and financial globalization and the popularity of cross-border mergers and acquisitions, overseas institutions have been established abroad. Transnational business has become the trend of the reform and development of commercial banks in China. The end of the transitional period of China's entry into WTO has provided a broader development space for the transnational operation of commercial banks in China. The number of foreign institutions and the volume of overseas business of commercial banks in China are increasing year by year. Meanwhile, according to the principle of customer motivation, commercial banks follow the principle of customer motivation. The transnational management of Chinese commercial banks will increase rapidly with the rapid increase of China's import and export trade and foreign direct investment, both of which indicate that the transnational operation of Chinese commercial banks will further develop. In 1980s, most of the commercial banks in our country began to take the first step of transnational operation, which is different from the practice experience of international famous transnational banks for nearly 100 years. Relatively speaking, the number of foreign institutions of commercial banks in China is not many, the scale is also small, and more importantly, the risk management experience of transnational operation is less. Transnational operation makes Chinese commercial banks enter a new business environment. In the new market competition, the risks are more complex and changeable, among which the country risk, exchange rate risk and operational risk are the most important risks, therefore, in the increasingly fierce international competition. How to manage these risks is analyzed and studied in depth. As an important part of ensuring the effectiveness of risk management of commercial banks in China, this paper attempts to comprehensively introduce the country risk, exchange rate risk and operational risk that will be encountered in the transnational operation of commercial banks in China. By analyzing its connotation and particularity, this paper comprehensively and systematically discusses the management methods of these three kinds of risks, and combines the advanced management experience of commercial banks in western developed countries in transnational operation. Put forward the countermeasure and suggestion to our country commercial bank to manage the risk in transnational operation effectively. This paper is divided into five parts to study the risk management in the transnational business activities of commercial banks in China. The first part is the introduction, mainly introduces the background of this paper. The present situation of the research and the research ideas and text structure of this paper; In the second part, we analyze the country risk, exchange rate risk and operational risk faced by the commercial banks in our country. The management status and problems of these three kinds of risks in the transnational operation of commercial banks in China are analyzed emphatically. The third part, comparing with the advanced experience of risk management in foreign commercial banks' transnational operation, analyzes the deficiency of risk management in our country's commercial banks' transnational operation. At the same time, it analyzes and evaluates the process and methods of risk management of country risk, exchange rate risk management and operational risk management with the example of risk management of HSBC Group in multinational operation. Part 4th puts forward the relevant countermeasures to strengthen the risk management of transnational management of Chinese commercial banks. We should construct the effective risk management system of our commercial banks' transnational operation, strengthen the country risk management, and optimize the exchange rate risk management. Improve operational risk management and other aspects to strengthen the risk management of commercial banks in transnational operations. And the cross-cultural management strategy is adopted to put forward targeted management measures for the particularity of commercial banks' transnational operation. Part 5th is the conclusion.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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