农业银行国际贸易融资创新策略研究

发布时间：2018-01-05 13:06

本文关键词：农业银行国际贸易融资创新策略研究　出处：《山东大学》2015年硕士论文　论文类型：学位论文

【摘要】：近年来,我国商业银行国际贸易融资业务发展迅速,国际贸易融资项下创新不断涌现。在当前全球经济复苏进程缓慢、国内经济结构调整继续深化的情况下,中国农业银行国际贸易融资发展所面临的严峻挑战和压力主要表现在三个方面：一是市场有效需求不足,限制了国际贸易融资增速；二是诸多因素叠加影响,增大了贸易融资业务风险隐患；三是监管政策调整变化快,对银行贸易融资业务提出更高要求。同时,现存主要问题也比较突出：一是内外部监管缺乏前瞻预判,二是银行经营理念亟需转变,三是客户基础相对薄弱,四是产品创新应用不足。本文将外在和内在动因相结合,从金融监管理念、银行经营理念和产品创新理念三维角度指出国际贸易融资的变革要求和思路方向,分析研究国际贸易融资创新的具体策略,以及如何应用来解决现实问题,及时对接客户需求,有效防范和控制风险。针对业务创新发展与内外部监管制约之间相互促动和依存的关系,提出了商业银行的贸易融资创新只有把握机遇和找准方向,才能推动健康、长效的业务发展,不断提高商业银行经济资本管理水平,增强风险防范和化解能力,全面强化竞争优势和综合实力。国际贸易融资的创新过程注定永远都是一个进行时,只有开始,没有结束；国际贸易融资的创新模式也没有思维定势,可以仁者见仁、智者见智。文中具体分析研究了国际贸易融资创新的具体策略,即利用传统产品的优化来实现创新、利用内外贸易融合来实现创新、利用同业合作来实现创新、利用特色服务来实现创新、利用电子平台来实现创新和利用政策优势来实现创新。在贸易融资的创新策略阐述过程中,注重辅以相应方式方法下的产品列举和案例分析,便于应用者深入浅出地理解把握。由于贸易融资业务时效性和专业性要求较高,需要统筹兼顾,合理配置资源,严格控制风险,本文还指出应如何从体制机制、营销策略、人才队伍、风险管理等方面进行配套支持保障,供广大金融从业者和企业管理、财务人员参考借鉴。
[Abstract]:In recent years, the international trade financing business of China's commercial banks has developed rapidly, and the innovation under international trade financing has been constantly emerging. At present, the process of global economic recovery is slow, and the adjustment of domestic economic structure continues to deepen. The severe challenges and pressures faced by the Agricultural Bank of China in the development of international trade financing are mainly reflected in three aspects: first, insufficient effective demand in the market limits the growth rate of international trade financing; Second, many factors are superimposed to increase the risks of trade financing business. At the same time, the main existing problems are more prominent: first, the internal and external supervision is lack of foresight, and the second is the urgent need to change the concept of banking management. Third, the customer base is relatively weak, and fourth, the application of product innovation is insufficient. This paper combines external and internal motivation from the concept of financial supervision. This paper points out the changing requirements and direction of international trade financing from the perspective of bank management concept and product innovation concept, analyzes and studies the specific strategies of international trade financing innovation, and how to solve the practical problems. Timely docking customer demand, effectively prevent and control risks. For business innovation development and internal and external regulatory constraints of mutual promotion and dependence. It is pointed out that only by grasping the opportunity and finding the right direction can the commercial banks promote the healthy and long-term business development, constantly improve the level of economic capital management of commercial banks, and enhance their ability to prevent and resolve risks. The innovation process of international trade financing is destined to be a process of going on forever, only beginning, not ending; The innovative mode of international trade financing also has no fixed mode of thinking, it can be different from different people, different wisdom. This paper analyzes and studies the specific strategy of international trade financing innovation, that is, using the optimization of traditional products to achieve innovation. Using the integration of internal and external trade to achieve innovation, using peer cooperation to achieve innovation, using characteristic services to achieve innovation. Use electronic platform to realize innovation and use policy advantage to realize innovation. In the process of explaining innovative strategy of trade finance, we should pay attention to product enumeration and case analysis. Because of the high requirements of timeliness and professionalism of trade financing business, it is necessary to take into account the overall consideration, allocate resources reasonably and strictly control risks. This paper also points out how to use the institutional mechanism. Marketing strategy, talent team, risk management and other aspects of supporting security, for the majority of financial practitioners and enterprise management, financial personnel reference.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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