中国进出口银行福建省分行出口卖方信贷规模阶段性扩张研究

发布时间：2018-04-16 12:22

本文选题：出口卖方信贷 + 信贷规模　；参考：《厦门大学》2013年硕士论文

【摘要】：2013年是中国经济转型的重要一年,世界经济形势的低迷,制造业成本的上升,金融潜在风险的放大,中小企业融资的困难,尤其是出口受阻成为了中国经济下行的主要原因。2013年亦是中国银行业动荡的一年,贷款利率下限的放开,“拆借资金违约门”等标志着新一轮银行业市场化改革已然启动。中国进出口银行作为政策性银行,始终服务于鼓励企业“走出去”的国家战略,贯彻中央“金融业服务实体经济”的精神。中国进出口银行福建省分行在历经两年的快速发展后,其出口卖方信贷业务正面临着2013年出口企业经营环境恶化、银行业改革深入的考验,缘起于对福建分行出口卖方信贷业务的思考,选取这一问题进行论述。论文一共分为五个部分,第一个部分为概述,就论文选题相关的概念和理论基础等进行研究,也是下文研究的基础；第二个部分是对本文的研究对象福建分行及其出口卖方信贷业务目前的现状进行介绍；第三部分为调研问卷的设计及其数据分析,为下文问题的发现和提出的建议提供数据支撑；第四部分在第三部分研究的基础上,得出了目前福建分行出口卖方信贷业务扩张存在的问题,包括利率市场化,直接融资扩张,同业竞争激烈和客户关系脱节产生的影响；第五部分则是针对第四部分发现的问题,从调整信贷结构,从单纯的融资中介向全面的服务中介转型,深化同业合作和改善客户关系四个角度提出相关的完善建议。本文的研究旨在促进中国进出口银行出口卖方信贷这一传统的政策性业务实现阶段性扩张,在增强福建分行核心竞争力的同时,亦能有效支持福建地区企业的出口业务,促进福建省外向型经济的发展。
[Abstract]:The year 2013 is an important year of China's economic transformation, with the downturn in the world economic situation, the rise in manufacturing costs, the amplification of potential financial risks, and the difficulty of financing small and medium-sized enterprises.In particular, export disruptions have been the main cause of China's economic downturn. 2013 was also a tumultuous year for China's banking sector, with the opening of the lower limit on lending rates and the door to default on lending funds, marking the start of a new round of market-oriented banking reforms.As a policy-oriented bank, the Export-Import Bank of China has always served the national strategy of encouraging enterprises to "go out" and carried out the spirit of "financial services to the real economy" of the central government.After two years of rapid development, the export seller's credit business of the China Export-Import Bank Fujian Branch is facing the test of the deterioration of the business environment of the export enterprises in 2013 and the in-depth reform of the banking sector.Based on the consideration of export seller's credit business in Fujian Branch, this paper discusses this problem.The paper is divided into five parts, the first part is an overview, the related concepts and theoretical basis of the thesis are studied, which is also the basis of the following research;The second part introduces the current situation of Fujian Branch and its export seller's credit business. The third part is the design of the questionnaire and its data analysis.In the fourth part, on the basis of the research in the third part, the problems existing in the expansion of export seller's credit business in Fujian Branch, including the marketization of interest rate, direct financing expansion, are obtained.The fifth part aims at the problems found in the fourth part, from adjusting the credit structure, from the simple financing intermediary to the comprehensive service intermediary.Further cooperation and improve customer relations from four angles to put forward relevant suggestions.The purpose of this paper is to promote the export seller's credit of Export-Import Bank of China, which is a traditional policy business, to expand in stages, and to strengthen the core competitiveness of Fujian Branch, and to effectively support the export business of enterprises in Fujian.To promote the development of Fujian's export-oriented economy.
【学位授予单位】：厦门大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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