我国商业银行海外业务发展问题研究

发布时间：2018-04-01 22:28

本文选题：商业银行　切入点：海外业务　出处：《广西大学》2012年硕士论文

【摘要】：进入21世纪以来,经济全球化以前所未有的速度发展,对我国商业银行开展海外业务提出新的要求。为了更好地与经济全球化的发展相适应,促进我国商业银行国际竞争力的进一步提高,我国商业银行纷纷到海外抢滩设点,拓展海外业务。但是,由于我国商业银行拓展海外业务发展起步较晚,与世界知名度高的银行的海外业务相比,我国商业银行的海外业务则显得略微逊色,这表明我国商业银行海外业务还存在很大的发展空间。因此,研究我国商业银行的海外业务,揭示其规律,不仅具有一定的理论意义,而且具有某些现实意义。本文首先从动因、影响因素和模式选择三个方面阐述商业银行海外业务发展的理论。其次,在这些理论基础之上,采用定性和定量分析法对我国商业银行海外业务发展的现状及存在的问题进行详细分析,研究结果发现,我国商业银行海外业务主要存在以下几个方面的问题：一是规模偏小；二是结构单一；三是收益不佳。第三,详细论述导致这些问题的原因。最后,基于对世界领先的银行的海外业务的国际实践考察,结合导致我国商业银行海外业务发展规模偏小、结构单一及收益不佳的原因,提出促进我国商业银行海外业务发展的策略和建议。
[Abstract]:Since the beginning of the 21st century, economic globalization has developed at an unprecedented speed, which puts forward new requirements for our commercial banks to carry out overseas business, in order to better adapt to the development of economic globalization. To promote the further improvement of the international competitiveness of our commercial banks, our commercial banks have one after another set up points overseas to expand their overseas business. However, as the development of overseas business of our commercial banks started relatively late, Compared with the overseas business of the well-known banks in the world, the overseas business of the commercial banks in our country is slightly inferior, which indicates that there is still great room for development of the overseas business of the commercial banks in our country. It is not only of theoretical significance but also of practical significance to study the overseas business of Chinese commercial banks and to reveal its laws. This paper first expounds the theories of overseas business development of commercial banks from three aspects: motivation, influencing factors and mode selection. Secondly, on the basis of these theories, The present situation and existing problems of overseas business development of commercial banks in China are analyzed in detail by using qualitative and quantitative analysis methods. The results show that there are several problems in the overseas business of commercial banks in China: first, the scale is small; The second is the single structure, the third is the poor returns. Third, the causes of these problems are discussed in detail. Finally, based on the international practice of the overseas operations of the world's leading banks, Combined with the causes of the small scale of overseas business development, single structure and poor income, the paper puts forward the strategies and suggestions to promote the development of overseas business of commercial banks in China.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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