A银行山东分行国际结算电子化产品创新研究

发布时间：2018-07-10 10:59

本文选题：国际结算 + 电子化产品　；参考：《山东财经大学》2015年硕士论文

【摘要】：全球经济的迅速发展和电子信息技术的突飞猛进,对国际结算提出了越来越高的要求,不仅要求银行提供如汇款、托收、信用证和保函等传统结算工具,而且需要银行提供更加便捷、高效、安全的支付方式。不断改变业务操作模式,使之与经济金融全球化接轨;改变业务开展模式,以顺应信息技术发展,这也是商业银行国际结算业务乃至对商业银行整个经营模式提出的持续性的要求。互联网金融的出现,为银行国际业务创新产品、增强竞争优势提供了机遇。让更多参与方在线办理国际贸易,通过网络传输替代传统纸质交单方式,提高物流、单据流、资金流的周转速度,是互联网技术和银行国际结算的最佳结合点。互联网经济环境下国际业务创新主要表现在:一是创新企业和银行之间的信息传输方式。通过银行的电子银行技术,实现企业和银行之间无纸化传输,节约企业和银行成本。二是研发国际贸易新的信息传输渠道,创新国际结算方式。通过提高单据流转速度,加快物流、资金流周转速度。目前,国际和国内同业主流创新模式主要有以下三种:?电子银行(E-Banking);?电子交单(E-presentation);?贸易服务工具(TSU)及银行付款责任(BPO)。本文着重研究分析A银行山东分行国际结算业务电子化创新的宏观外部环境和内部自身能力,从中看出A银行山东分行具备创新的土壤和条件,进一步介绍了在互联网背景下A银行山东分行国际结算创新商业模式——电子银行、电子交单和银行付款责任,在此基础上分析A银行山东分行现有国际结算电子化创新的优势以及存在的问题,针对存在的问题提出有效建议。最后,本文认为应从国家、银行机构、企业等多层次,构建和完善我国国际结算业务电子化产品创新活动,这需要一个循序渐进的推动过程。尽早展开相关法律法规政策研究工作,将有利于国际结算电子化创新业务的开展、改进、普及;银行机构要不断完善电子银行国际业务功能,创新服务手段,扩大电子化手段在国际结算中所占比重,同时要加强对国际结算电子创新产品知识的普及,帮助企业尽快熟悉使用电子交易平台,促进电子贸易环境成熟;企业要紧跟时代步伐,加强对国际结算电子创新产品的学习和使用,来降低营运成本,提高工作效率;最后银行、企业和第三方电子商务公司应组织国际结算电子化产品的专业培训,培养精干人才;高校开设对应专业或在相关专业中加入电子化结算产品的课程,加快对国际业务相关专业人才的培养以适应电子时代发展的要求。
[Abstract]:With the rapid development of the global economy and the rapid development of electronic information technology, more and more demands have been placed on international settlement, not only for banks to provide traditional settlement tools such as remittances, collections, letters of credit and guarantees. Moreover, banks are required to provide more convenient, efficient and secure payment methods. Constantly changing the mode of business operation to bring it into line with the globalization of economy and finance, changing the mode of business development in order to conform to the development of information technology, This is also the international settlement business of commercial banks and even the whole business model of commercial banks put forward continuous requirements. The emergence of Internet finance provides an opportunity for banks to innovate their international business products and enhance their competitive advantage. The best combination of Internet technology and bank international settlement is to let more participants deal with international trade online, to replace the traditional paper delivery through network transmission, and to improve the turnover speed of logistics, document flow and capital flow. The innovation of international business under the environment of Internet economy is mainly reflected in: first, innovating the information transmission mode between enterprises and banks. Through the electronic banking technology of the bank, the paperless transmission between the enterprise and the bank can be realized, and the cost of the enterprise and the bank can be saved. Second, research and development of new information transmission channels for international trade, innovative international settlement. By improving the speed of document flow, speed up the flow of logistics, capital flow turnover speed. At present, there are three main modes of innovation in the international and domestic industries:? E-Banking? E-presentation? Trade Services instrument (TSU) and Bank liability (BPO). This paper focuses on the macro external environment and internal capability of the electronic innovation of the international settlement business of the Shandong Branch of Bank A, from which we can see that the Shandong Branch of Bank A has the soil and conditions for innovation. It further introduces the innovative business model of International settlement of Bank A Shandong Branch in the context of the Internet-electronic banking, electronic documentary payment and bank payment liability. On this basis, this paper analyzes the advantages and problems of the current electronic international settlement innovation of Bank A Shandong Branch, and puts forward some effective suggestions for the existing problems. Finally, this paper holds that we should construct and perfect the electronic product innovation activities of international settlement business from the state, banking institutions, enterprises and other levels, which needs a gradual and progressive promotion process. The early development of research on relevant laws, regulations and policies will be conducive to the development, improvement and popularization of electronic innovative business in international settlement. Banking institutions should constantly improve the functions of electronic banking international business and innovate service means. To expand the proportion of electronic means in international settlement, at the same time to strengthen the knowledge of international settlement electronic innovative products to help enterprises become familiar with the use of electronic trading platform as soon as possible to promote the maturity of the electronic trading environment; Enterprises should keep pace with the times, strengthen the study and use of innovative electronic products for international settlement, so as to reduce operating costs and improve work efficiency. Finally, banks, Enterprises and third-party e-commerce companies shall organize professional training on electronic products for international settlement and train capable personnel. Speed up the training of international business related professionals to meet the requirements of the development of the electronic age.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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