我国中小银行国际业务风险控制研究
发布时间：2018-09-08 10:43
【摘要】：随着我国中小商业银行的发展,中小银行之间的竞争越来越激烈,各银行均在不断寻求新的利润增长点,在此背景下,越来越多的中小商业银行开始经营国际业务,开展国际业务逐渐成为中小商业银行经营标的一种趋势。 目前,国内学者对我国商业银行开展国际业务方面的研究大体可分为以下两类：一是对商业银行国际业务发展方面的研究,侧重于对银行经营国际业务方面的全面分析,特别是对国际业务发展战略、市场定位、发展趋势等方面的剖析；二是对商业银行国际业务风险控制的研究,侧重于对商业银行发展过程中的风险控制,特别是银行国际贸易融资风险的控制。上述研究成果均未区分大型商业银行与中小商业银行的不同特点,而是概括的进行全面分析。 中小商业银行具有不同于大型国有及股份制商业银行的特点,决定了经营国际业务也具有其不同之处,故不能照搬大型商业银行经营国际业务的经验。因此,本文通过分析中小商业银行经营国际业务的特点,全面挖掘中小商业银行经营国际业务各方面的风险控制要点,为中小商业银行顺利开展国际业务提出有用的建议,对于中小商业银行,特别是新开办或者准备开办国际业务的中小商业银行具有重要的实际意义。 中小商业银行因自身规模小、业务经验不足、员工专业素质普遍不高等原因,导致其在经营国际业务过程中的风险控制能力不足,以致出现部分风险。本文从中小商业银行自身的特点出发,分析其风险控制能力不足的原因,论证中小商业银行风险控制的薄弱环节,挖掘中小商业银行的优势,提出取长补短、加强风险控制能力的措施和建议,以促进中小商业银行国际业务的发展。 本文第一部分绪论,介绍选题背景与意义以及研究方法等,第二部分研究银行风险控制的相关理论和国内外研究的现状,第三部分揭示中小商业银行国际业务风险现状,第四部分深入分析国际业务风险成因,第五部分提出中小银行控制国际业务风险的政策建议,第六部分是本文的总结。
[Abstract]:With the development of small and medium-sized commercial banks in China, the competition between small and medium-sized banks is becoming more and more intense. Each bank is constantly seeking new profit growth points. Under this background, more and more small and medium-sized commercial banks begin to operate international business. Developing international business has gradually become a trend of small and medium commercial banks. At present, the domestic scholars' research on the international business of Chinese commercial banks can be divided into the following two categories: first, the research on the development of international business of commercial banks, with emphasis on the comprehensive analysis of the international business of banks. In particular, the analysis of international business development strategy, market positioning, development trend, and other aspects; second, the study of international business risk control of commercial banks, focusing on the development of commercial banks in the process of risk control, Especially the bank international trade financing risk control. The above research results do not distinguish between the large commercial banks and the small and medium-sized commercial banks, but generalize the overall analysis. Small and medium-sized commercial banks are different from large state-owned and joint-stock commercial banks, which determines that the international business has its own differences, so it is not possible to copy the experience of large commercial banks in international business. Therefore, by analyzing the characteristics of international business of small and medium-sized commercial banks, this paper comprehensively excavates the main points of risk control in all aspects of international business of small and medium-sized commercial banks, and puts forward useful suggestions for the smooth development of international business of small and medium-sized commercial banks. It is of great practical significance for small and medium-sized commercial banks, especially those newly opened or ready to start international business. Because of their small scale, lack of business experience and low professional quality of their staff, the small and medium-sized commercial banks have insufficient risk control ability in the process of managing international business, resulting in some risks. Starting from the characteristics of small and medium-sized commercial banks, this paper analyzes the reasons for their insufficient risk control ability, demonstrates the weak links of risk control of small and medium-sized commercial banks, excavates the advantages of small and medium-sized commercial banks, and puts forward that the advantages of small and medium-sized commercial banks should be supplemented by each other. Measures and suggestions to strengthen risk control ability to promote the development of international business of medium and small commercial banks. The first part of this paper introduces the background and significance of the topic, as well as the research methods. The second part studies the relevant theory of bank risk control and the current situation of domestic and foreign research. The third part reveals the current situation of international business risk of small and medium-sized commercial banks. The fourth part deeply analyzes the causes of international business risk, the fifth part puts forward the policy recommendations of small and medium-sized banks to control the international business risk, and the sixth part is the summary of this paper.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
[Abstract]:With the development of small and medium-sized commercial banks in China, the competition between small and medium-sized banks is becoming more and more intense. Each bank is constantly seeking new profit growth points. Under this background, more and more small and medium-sized commercial banks begin to operate international business. Developing international business has gradually become a trend of small and medium commercial banks. At present, the domestic scholars' research on the international business of Chinese commercial banks can be divided into the following two categories: first, the research on the development of international business of commercial banks, with emphasis on the comprehensive analysis of the international business of banks. In particular, the analysis of international business development strategy, market positioning, development trend, and other aspects; second, the study of international business risk control of commercial banks, focusing on the development of commercial banks in the process of risk control, Especially the bank international trade financing risk control. The above research results do not distinguish between the large commercial banks and the small and medium-sized commercial banks, but generalize the overall analysis. Small and medium-sized commercial banks are different from large state-owned and joint-stock commercial banks, which determines that the international business has its own differences, so it is not possible to copy the experience of large commercial banks in international business. Therefore, by analyzing the characteristics of international business of small and medium-sized commercial banks, this paper comprehensively excavates the main points of risk control in all aspects of international business of small and medium-sized commercial banks, and puts forward useful suggestions for the smooth development of international business of small and medium-sized commercial banks. It is of great practical significance for small and medium-sized commercial banks, especially those newly opened or ready to start international business. Because of their small scale, lack of business experience and low professional quality of their staff, the small and medium-sized commercial banks have insufficient risk control ability in the process of managing international business, resulting in some risks. Starting from the characteristics of small and medium-sized commercial banks, this paper analyzes the reasons for their insufficient risk control ability, demonstrates the weak links of risk control of small and medium-sized commercial banks, excavates the advantages of small and medium-sized commercial banks, and puts forward that the advantages of small and medium-sized commercial banks should be supplemented by each other. Measures and suggestions to strengthen risk control ability to promote the development of international business of medium and small commercial banks. The first part of this paper introduces the background and significance of the topic, as well as the research methods. The second part studies the relevant theory of bank risk control and the current situation of domestic and foreign research. The third part reveals the current situation of international business risk of small and medium-sized commercial banks. The fourth part deeply analyzes the causes of international business risk, the fifth part puts forward the policy recommendations of small and medium-sized banks to control the international business risk, and the sixth part is the summary of this paper.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
【参考文献】
相关期刊论文 前4条
1 周杰;;巴塞尔新资本协议对商业银行全面风险管理的启示[J];企业导报;2011年05期
2 翁舟杰;杨~，
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