中国工商银行跨境人民币业务发展路径选择研究

发布时间：2018-05-07 01:23

本文选题：工商银行 + 跨境人民币业务　；参考：《吉林大学》2012年硕士论文

【摘要】：2008年9月全球金融危机爆发以来，周边国家和地区对人民币业务的需求上升，我国政府顺势而为明显加快了对人民币国际化的推动力度。对于长期以来以经营人民币业务为主的中资商业银行而言，人民币国际化的推进将为其开拓国际市场、壮大境外机构实力、提升国际竞争力带来历史性发展机遇。但是和国际领先商业银行相比，我国商业银行所处历史发展阶段不同，宏观经济环境不同，经营管理模式不同，核心竞争力不同，银行国际化路径必然有很大差异，不能照搬照抄国外的理论和经验模式。当前，我国商业银行海外市场知识的增进与应对能力的提高主要依赖“干中学”’，来自于理论方面的指导很少。本文采用理论与实际相结合、定性与定量分析相结合、综合研究与重点研究相结合的方法，在对商业银行国际化的定义、分类以及商业银行国际化路径动因的分析基础上，以中国工商银行跨境人民币业务发展路径为切入点，深入探讨中国工商银行跨境人民币业务的发展现状、潜在问题和主要影响因素，重点对中国工商银行跨境人民币业务的发展动因、路径选择原则和整体规划进行分析，并结合中国工商银行在东盟地区的跨境人民币发展情况，对中国工商银行跨境人民币业务的发展路径特点进行研究。通过中国工商银行跨境人民币业务发展路径的分析，本文认为：第一，随着人民币国际化进程的加快，跨境人民币业务的发展将成为未来商业银行竞争的重点；第二，从中国工商银行跨境人民币业务的宏观主要影响因素来看，制度因素特别是相关监管部门将成为影响跨境人民币业务路径选择的主要因素；第三，，从中国工商银行跨境人民币业务的微观主要影响因素来看，商业银行自身的研发能力较为重要；第四，中国工商银行在跨境人民币业务上的路径选择原则，具有自身的针对性，同时也具有一定的普遍意义；第五，由于商业银行可以在微观因素上进行主动的调整，因此，以中国工商银行为代表的商业银行，在跨境人民币业务发展路径选择上主要以地缘优势为基础，以科技研发能力为核心，以试点交易为渠道，以制度建设为保障。
[Abstract]:Since the global financial crisis broke out in September 2008, the demand for RMB business in neighboring countries and regions has increased. For the Chinese commercial banks which are mainly engaged in RMB business for a long time, the promotion of RMB internationalization will bring historical development opportunities for them to open up the international market, strengthen the strength of overseas institutions and enhance their international competitiveness. However, compared with the international leading commercial banks, China's commercial banks are in different stages of historical development, different macroeconomic environment, different management models, different core competitiveness, and the internationalization path of banks is bound to be very different. We should not copy the theory and experience of foreign countries. At present, the improvement of overseas market knowledge and coping ability of Chinese commercial banks mainly depends on "dry middle school". This paper combines theory with practice, qualitative and quantitative analysis, comprehensive research and key research, on the basis of analyzing the definition and classification of the internationalization of commercial banks, as well as the drivers of the internationalization of commercial banks. Taking the development path of ICBC's cross-border RMB business as the starting point, this paper probes into the current development situation, potential problems and main influencing factors of ICBC's cross-border RMB business. Focusing on the ICBC cross-border RMB business development motivation, path selection principles and overall planning, and combined with ICBC's cross-border RMB development in the ASEAN region, This paper studies the characteristics of the development path of ICBC's cross-border RMB business. Based on the analysis of the development path of ICBC's cross-border RMB business, this paper holds that: First, with the acceleration of RMB internationalization, the development of cross-border RMB business will become the focus of future commercial banks competition; Secondly, from the macro factors of ICBC cross-border RMB business, institutional factors, especially relevant regulatory departments, will be the main factors affecting the choice of cross-border RMB business path; Thirdly, from the microcosmic main influencing factors of ICBC's cross-border RMB business, the R & D capability of commercial banks is more important. Fourthly, the route choice principle of ICBC in cross-border RMB business has its own pertinence and also has certain universal significance. Fifthly, because commercial banks can make active adjustments on micro factors, commercial banks, represented by the Industrial and Commercial Bank of China, are mainly based on geographical advantages in choosing the path of cross-border RMB business development. Scientific and technological research and development capabilities as the core, to pilot transactions as a channel, to system construction as a guarantee.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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