烟台农商银行贸易融资业务发展对策研究

发布时间：2018-03-31 22:07

本文选题：贸易融资　切入点：商业银行　出处：《山东大学》2017年硕士论文

【摘要】：近年来,随着新巴塞尔协议的出台,人民币国际化步伐的加快,国内金融业改革的深入推进,我国银行业所面临的内外部形势发生了深刻的变化,商业银行的传统经营模式受到严峻挑战,银行业"躺着赚钱"的时代一去不复返。取而代之的是面临着同业竞争加剧,金融脱媒日益严重,盈利水平不断下滑的金融业发展"新常态"。在这种情况下,商业银行迫切需要寻找新的利润增长点,对自身的传统金融产品和金融服务进行优化升级。而国际贸易融资业务凭借轻资产消耗、综合效益好等特点,不仅成为金融扶持中小企业、扶持实体经济的重要手段,也成为了商业银行实施业务转型的重要方向。因此,对商业银行发展贸易融资业务进行研究具有十分重要的理论和现实意义。本文首先对商业银行贸易融资业务的特点、产品分类、发展意义及发展趋势进行了系统阐述;其次,对烟台农商银行发展贸易融资业务的现状进行了分析,指出了以烟台农商银行为代表的地方性金融机构在发展贸易融资业务时,存在着本外币发展不平衡、组织架构不完善、营销手段有限、创新能力欠缺、风险防控能力不足等几个方面的问题;最后,参考借鉴国内外同业的先进经验及做法,对新形势下烟台农商银行拓展贸易融资业务提出了业务发展策略和组织保障策略。在业务发展对策上,要做到以下方面:第一,优化贸易融资业务营销策略;第二,进一步提高贸易融资产品创新水平;第三,不断加强贸易融资业务管理;第四,全面深化同业贸易金融合作。在组织保障策略方面,一是要不断更新发展思维和理念,二是要更加重视专业化组织架构的打造,三是要制定科学的激励制度,四是要全面提升业务科技支撑。希望通过对烟台农商银行发展贸易融资业务的分析,一方面,提升对辖内中小企业的服务支持能力,满足新形势下中小企业对贸易融资产品的新需求,不断增强适应市场的能力,实现银企双赢的局面;另一方面,探寻一条新的以农信社为背景的地方性金融机构的生存之道,在传统利差收益不断收窄的新常态下,开辟出新的利润增长点,实现由农信社向现代银行的发展转型。
[Abstract]:In recent years, with the introduction of the New Basel Accord, the acceleration of the pace of RMB internationalization, and the deepening reform of the domestic financial industry, the internal and external situation faced by our banking industry has undergone profound changes. The traditional business model of commercial banks has been severely challenged, and the era of banks "lying on making money" is gone forever. Instead, they are faced with intensified competition in the same industry and increasingly serious financial disintermediation. In the "new normal" of the development of the financial industry with declining profit levels, commercial banks urgently need to find new profit growth points. To optimize and upgrade their traditional financial products and services. International trade financing business, with the characteristics of light asset consumption and good comprehensive benefits, has become an important means of financial support for small and medium-sized enterprises and for supporting the real economy. Therefore, it is of great theoretical and practical significance to study the development of trade finance business of commercial banks. Product classification, development significance and development trend are systematically expounded. Secondly, the current situation of Yantai Agricultural and Commercial Bank developing trade financing business is analyzed. It is pointed out that the local financial institutions, represented by Yantai Agricultural and Commercial Bank, have unbalanced development of local and foreign currencies, imperfect organizational structure, limited marketing methods and lack of innovative ability when developing trade financing business. Some problems such as insufficient capability of risk prevention and control, and finally, referring to the advanced experiences and practices of domestic and foreign counterparts, This paper puts forward the business development strategy and organization guarantee strategy of Yantai Agricultural and Commercial Bank to expand its trade financing business under the new situation. In the business development countermeasure, it should achieve the following aspects: first, optimize the trade financing business marketing strategy; second, To further improve the level of innovation in trade financing products; third, to continuously strengthen the management of trade finance business; fourth, to comprehensively deepen trade and financial cooperation among the same industry. In terms of organizational security strategies, first, we should constantly update our thinking and ideas on development. The second is to pay more attention to the creation of specialized organizational structure, the third is to formulate a scientific incentive system, and the fourth is to comprehensively upgrade the business science and technology support. It is hoped that through the analysis of Yantai Agricultural and Commercial Bank's development of trade financing business, on the one hand, To enhance the service support capacity for SMEs within their jurisdiction, to meet the new demand of SMEs for trade financing products under the new situation, to continuously enhance their ability to adapt to the market, and to achieve a win-win situation for banks and enterprises; on the other hand, In order to explore a new way for the survival of local financial institutions with the background of rural credit cooperatives (RCCs), and under the new normal condition of narrowing the traditional interest rate difference, a new profit growth point will be opened up, and the development and transformation from RCCs to modern banks will be realized.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F830.42

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