人民币国际化背景下中国商业银行国际化对策研究

发布时间：2018-03-19 10:04

本文选题：商业银行国际化　切入点：人民币国际化　出处：《对外经济贸易大学》2015年硕士论文　论文类型：学位论文

【摘要】：本文提出了在人民币国际化带来的机遇与挑战的背景下,推进我国商业银行国际化的发展对策选择:1、区位布局方面:在商业银行国际化初期,需要通过在不同的地区采用开立海外机构、兼并与重组、建立代理行关系等多种方式进行物理布局,不同区位的不同布局可以起到以一点辐射周边多个国家地区的效果,但各家商业银行在不同区位的布局也彰显了各家商业银行对未来发展机遇的预判,在人民币国际化趋势下,商业银行只有提前布局争取更多的区域清算中心资格才能更好的做到以点带面辐射周边的效果;2、海外业务发展方面:海外业务是建立在区位布局战略基础之上的,通过物理布局来构建海外业务发展的基础,同时在取得更多业务的经营牌照后,海外业务所覆盖的广度、深度也对商业银行国际化发展起到了至关重要的作用,特别是在人民币国际化进程中,跨境联动及离岸人民币金融产品呈现快速发展,随着市场的不断健全以及管制的逐渐放开,这更是未来几年内商业银行所迎接的巨大机遇;3、全球客户资源方面:全球客户资源层面是以前述两个层面为基础的,在人民币国际化的契机下,商业银行要实现真正的国际化,除聚焦本土“走出去”客户以外,更需要关注海外“走进来”客户以及仅在海外发展的客户,只有海外客户群体的不断扩充才能令我国的商业银行在海外扎稳根基,不断壮大发展,同样,商业银行可以通过“走出去”客户及跨国大型外企集团优先拓展全球客户资源,而后随着人民币国际化进程逐步丰富全球客户体系;4、风险控制方面:风险控制是商业银行实现国际化发展的重中之重,同时也是对商业银行管理层经营管理能力的重大挑战,人民币国际化实现的条件中最重要的就是利率市场化及货币可自由兑换,这两点对一直以来国际化程度并不高的我国商业银行来讲,将是艰巨的挑战,除此之外,商业银行国际化进程中还要面对境外的国别风险、市场风险等诸多问题。本文研究了我国商业银行国际化发展的现状及问题,进而对比分析了在人民币国际化进程中,各家商业银行不同的海外发展情况,并研究了商业银行如何在人民币国际化的背景下,通过选择符合自身经营特点的国际化发展对策,借助人民币国际化进程提高自身的国际竞争力。
[Abstract]:Put forward the opportunities and challenges of the internationalization of RMB in the context of this paper, development countermeasures to promote the internationalization of Chinese Commercial Banks: 1, location: in the early stage of internationalization of commercial banks, by using in different regions to open overseas institutions, mergers and acquisitions, establish agency relations and other means of physical layout. Different layout of different location can play in a number of countries and regions in a surrounding radiation effect, but the commercial banks in different location layout also shows that commercial banks in the future development opportunities in anticipation, the trend of RMB internationalization, to the effect of the surrounding radiation done only ahead of the layout for more regional clearing center in order to better qualified commercial banks; 2, overseas business development: overseas business is built on the basis of the strategic location, through The basic spatial construction of overseas business development, at the same time in the operating license to get more business, overseas business covers the breadth, depth to a crucial role in the development of international commercial banks, especially in the process of internationalization of the RMB in cross-border linkage and offshore renminbi financial products showed rapid development, as the market continues sound and control gradually liberalized, this is a great opportunity for commercial banks in the next few years are welcome; 3, global customer resources: global customer resources is in the two aspects as the foundation, the internationalization of RMB in the opportunity, to realize the internationalization of commercial banks, in addition to focus on local "going out" customers outside, but also need to pay attention to overseas customers and clients to come only in the overseas development, only overseas customer groups continue to expand to make China The commercial bank lays a solid foundation in the overseas development, similarly, commercial banks can "go out" and large foreign multinational customer group preferred to expand the global customer resources, and then with the process of internationalization of the RMB gradually enrich the global customer system; 4, risk control, risk control is the priority among priorities to achieve the international development of commercial banks at the same time, is a major challenge for the management of commercial banks management ability, the most important condition of RMB internationalization is the marketization of interest rate and currency convertibility, both of China's commercial banks has been the internationalization degree is not high, will be a challenge, in addition, also facing the country the risk of overseas commercial bank internationalization, many problems such as market risk. This paper studies the current situation and problems of China's commercial bank internationalization, Then a comparative analysis on the process of internationalization of the RMB, the commercial banks in different overseas development, and study how the commercial banks in the background of internationalization of RMB internationalization, by selecting the Countermeasures for the development of its own operating characteristics, with the process of internationalization of the RMB to improve the international competitiveness of their own.

【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F832.6

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