HA银行对俄金融业务存在的问题及对策研究

发布时间：2018-10-18 10:40

【摘要】：经过多年发展,中俄金融领域合作不断深化,尤其是今年以来中国和俄罗斯双边贸易合作逐渐趋于成熟稳定,有望延续平稳增长态势。2014年10月,中俄两国央行签署了1500亿元双边本币互换协议,金融合作已经成为中俄经贸合作提速升级的突破口。我国海关统计数据显示,2015年中俄贸易额达680亿美元,中俄贸易的规模和质量均在同步提升。黑龙江省受其地缘及国家政治环境影响,双边贸易额分别占两国相对应权重的25%和30%,蝉联中国对俄贸易投资最大省份地位。哈尔滨市作为其省会城市同时也是东部陆海丝绸之路经济带的重要节点城市,是中俄间货物、信息、资金及客户流量的主要集散中心,承载了中国60%的对俄贸易量,对俄业务发展潜力巨大。那么,在激烈的市场竞争环境下,面对如此机遇怎样突出重围走出一条特色化发展道路成为国内金融机构对俄业务发展进程中不可忽视的一个重要问题。本论文以总部坐落于哈尔滨市的HA银行为实例,首先从基本情况、组织结构、业务流程及业务优势四方面对HA银行对俄金融业务的当前状态予以剖析,提出目前HA银行在对俄业务发展中存在的诸多问题并对产生问题的原因进行认真剖析。其次,结合当前中俄金融合作形势及国家相关政策对HA银行拓展对俄金融业务的内外部影响因素进行探讨,明确业务发展的机遇与挑战。最后通过前期对边境贸易、对俄合作等方面文献著作的研究、结合就读MBA期间学习到的相关管理理论和经济知识、结合身边负责对俄工作同事的工作管理经验分享,针对目前存在的问题对HA银行今后开展对俄金融业务的总体工作思路、具体工作目标提出了具体可行性对策,希望能够对该行在拓展对俄金融业务的道路上提供一些启示。
[Abstract]:After years of development, Sino-Russian cooperation in the financial field has deepened, especially since the beginning of this year, bilateral trade cooperation between China and Russia has gradually become mature and stable, which is expected to continue a steady growth trend. In October 2014, The central banks of China and Russia have signed a 150 billion yuan bilateral currency swap agreement, and financial cooperation has become a breakthrough in the acceleration of economic and trade cooperation between China and Russia. China's customs statistics show that the trade volume between China and Russia reached 68 billion US dollars in 2015, and the scale and quality of Sino-Russian trade are rising simultaneously. Under the influence of its geopolitical and national political environment, the bilateral trade volume accounts for 25% and 30% of the corresponding weights of the two countries respectively, and Heilongjiang Province remains the largest province in China's trade and investment in Russia. Harbin, as its capital city and an important node city in the eastern land and sea Silk Road economic belt, is the main distribution center of goods, information, capital and customer flow between China and Russia, carrying 60 percent of China's trade volume with Russia. To Russia business development potential is enormous. So, in the fierce market competition environment, facing such an opportunity, how to break out a special way of development has become an important issue that can not be ignored in the process of the development of domestic financial institutions to Russia's business. This paper takes HA Bank, which is located in Harbin, as an example. Firstly, it analyzes the current situation of HA Bank's financial services to Russia from four aspects: basic situation, organizational structure, business process and business advantages. This paper puts forward many problems existing in the development of HA's business in Russia and analyzes the causes of the problems. Secondly, combined with the current situation of Sino-Russian financial cooperation and relevant national policies, this paper discusses the internal and external factors affecting the expansion of HA bank's financial business to Russia, and clarifies the opportunities and challenges for the development of the business. Finally, through the previous research on frontier trade, cooperation with Russia and other literature works, combined with the relevant management theory and economic knowledge learned during the study of MBA, combined with the work management experience of working colleagues around Russia, In view of the existing problems, this paper puts forward some feasible countermeasures for HA Bank to develop its financial business with Russia in the future. It hopes to provide some enlightenment to the bank in expanding its financial business to Russia.
【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】：2017
【分类号】：F832.33;F832.6

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