工商银行与汇丰银行国际化的比较分析

发布时间：2018-06-07 10:02

本文选题：工商银行 + 汇丰银行　；参考：《哈尔滨工业大学》2014年硕士论文

【摘要】：随着经济金融的全球化以及中国的崛起，中资银行业国际化条件日益成熟，并逐渐发展成为一种趋势。尤其是近年来全球金融危机的爆发使得西方发达国家银行业受到巨大冲击，正是我国商业银行抢占国际市场的大好时机。工商银行至今已经成功多年蝉联世界银行盈利能力排行榜第一名，而且作为中国乃至世界市值与资产规模最大的银行，近年来他也加快了自身国际化的步伐。汇丰银行众所周知作为老牌的跨国银行有着成熟的国际化布局和独特的国际化成功经验。因此本文选取国内的工商银行与国外的汇丰银行，对他们的国际化发展进行对比研究。通过对工商银行与汇丰银行国际化动因、国际化路径以的对比分析，我们会发现目前我国商业银行走出国门，实施国际化战略的必要性和可行性。但同时也会发现我国商业银行目前还存在着国际化程度低，国际化人才紧缺等众多问题。因而我国商业银行首先在自身发展条件的允许的情况下，应抓住机遇，尽早进入国际金融市场，抢占市场份额，做大做强。通过在两家银行国际化并购绩效的对比研究中，本文引入了财务指标法，，建立了股权收益模型对两家银行国际化并购绩效进行测量和比较后发现：经营风险的摊薄和成本管理的改进是绩效提升的重要原因。另外，本文最后还从国际化战略制定、人才培养、经营管理方式选择、并购资源整合、业务创新、风险规避以及品牌建设这七个方面对我国商业银行国际化发展提出了建议，希望对工商银行或者国内其他商业银行国际化发展提供帮助。
[Abstract]:With the globalization of economy and finance and the rise of China, the internationalized conditions of Chinese banks are maturing day by day, and gradually developing into a trend. Especially the outbreak of the global financial crisis in recent years has made the banking industry of western developed countries suffer a huge impact, which is a good opportunity for our commercial banks to seize the international market. ICBC has been ranked top of the World Bank's profitability ranking for many years and, as the largest market value and asset bank in China and the world, has accelerated its own internationalization in recent years. HSBC is known as a well-established multinational bank with a mature international layout and unique international success experience. So this paper chooses ICBC in China and HSBC in foreign countries to compare their internationalization development. Through the comparative analysis of the internationalization motivation and the internationalization path of ICBC and HSBC, we can find that it is necessary and feasible for Chinese commercial banks to go abroad and implement the internationalization strategy. But at the same time, the commercial banks in our country still have many problems, such as low degree of internationalization and shortage of internationalized talents. Therefore, the commercial banks of our country should seize the opportunity to enter the international financial market as soon as possible, seize the market share and become bigger and stronger under the conditions of their own development. By comparing the performance of international M & A between the two banks, this paper introduces the financial index method. The equity return model is established to measure and compare the performance of international mergers and acquisitions of the two banks. It is found that the thinning of management risk and the improvement of cost management are the important reasons for the performance improvement. In addition, this paper also puts forward some suggestions for the internationalization development of commercial banks in China from seven aspects: international strategy formulation, talent training, management mode selection, merger and acquisition resource integration, business innovation, risk aversion and brand building. I hope to help ICBC or other domestic commercial banks develop internationally.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F831.2

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