国家开发银行宁夏分行外汇贷款业务竞争力分析

发布时间：2018-03-29 03:09

本文选题：国家开发银行宁夏分行　切入点：外汇贷款业务　出处：《宁夏大学》2014年硕士论文

【摘要】：外汇贷款是银行以外币为计算单位向企业发放的贷款。外汇贷款业务开展之初将外汇贷款分为广义和狭义,狭义的外汇贷款,仅指我国银行运用从境内企业、个人吸收的外汇资金,放贷于境内企业的贷款；广义的外汇贷款,还包括国际融资转贷款,即包括我国从国外借人,通过国内外汇指定银行转贷于境内企业的贷款。而在中国经济不断全球化的今天,尤其是中资银行不断走出去的今天,外汇贷款业务广义和狭义之分逐渐有了新的意义。狭义的外汇贷款指银行运用境内境外的外汇资金放贷与境内的企业；广义的外汇贷款还包括境内银行将外汇资金发放给境外的借款人。本文的外汇贷款指广义的外汇贷款。本文旨在通过对国家开发银行宁夏分行外汇业务所处的外部环境、内部环境的分析,研究潜在竞争者、替代者等,结合银行竞争力理论,总结国开行宁夏分行的外汇业务竞争的优势和劣势提出提升外汇业务竞争力,加快外汇贷款业务发展的对策,提升宁夏分行外汇贷款业务竞争力,扩大市场份额,做强外汇业务品牌。研究中基于商业银行竞争理论,采用了PEST模型分析方法和SWOT分析法,对国家开发银行宁夏分行外汇贷款业务发展环境从宏观环境、行业环境和内部环境三个方面进行了分析。从国家开发银行宁夏分行外汇贷款业务的发展现状得出目前外汇贷款业务发展存在的劣势有以下几个方面：资金成本较高、从业经验不足、运作模式简单。在此基础之上,本文提出了提升宁夏分行发展外汇贷款业务竞争力的建议：完善各类机制建设,发展保障体系；加强客户服务,提升客户价值；鼓励后续教育,提升人员素质等提升外汇贷款业务竞争力的对策。
[Abstract]:Foreign exchange loans are loans issued by banks to enterprises in foreign currency units. At the beginning of the foreign exchange loan business, foreign exchange loans were divided into broad and narrow sense. Foreign exchange loans in narrow sense only refer to the use of foreign exchange loans by Chinese banks from domestic enterprises. Foreign exchange funds absorbed by individuals are lent to domestic enterprises; foreign exchange loans in the broad sense also include international financing and conversion loans, that is, foreign exchange loans from foreign countries, Through domestic foreign exchange designated banks to transfer loans to domestic enterprises. Today, when China's economy is constantly globalizing, especially when Chinese banks continue to go out, The broad sense and narrow sense of foreign exchange loan business gradually take on new significance. Foreign exchange loans in the broad sense also include the issuance of foreign exchange funds by domestic banks to foreign borrowers. In this paper, foreign exchange loans refer to foreign exchange loans in a broad sense. The purpose of this paper is to analyze the external environment and internal environment of the foreign exchange business of China Development Bank Ningxia Branch, to study potential competitors and substitutes, and to combine the theory of bank competitiveness. Summing up the advantages and disadvantages of the foreign exchange business competition of Ningxia Branch of CDB, the paper puts forward some countermeasures to enhance the competitiveness of foreign exchange business, speed up the development of foreign exchange loan business, enhance the competitiveness of foreign exchange loan business of Ningxia Branch, and expand the market share. Strengthen the foreign exchange business brand. Based on the competition theory of commercial banks, PEST model analysis method and SWOT analysis method are used to analyze the development environment of foreign exchange loan business in Ningxia Branch of China Development Bank from the macro environment. Three aspects of industry environment and internal environment are analyzed. From the current situation of foreign exchange loan business of China Development Bank Ningxia Branch, the disadvantages of the development of foreign exchange loan business are as follows: high capital cost, Lack of experience and simple operation mode. On this basis, this paper puts forward some suggestions to enhance the competitiveness of Ningxia Branch in the development of foreign exchange loan business: to improve the construction of various mechanisms, to develop the security system, to strengthen customer service, to enhance customer value, to encourage further education. Improve the quality of personnel and other measures to enhance the competitiveness of foreign exchange loans.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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