中日政策性银行境外贷款的比较研究

发布时间：2018-04-10 00:05

本文选题：政策性银行　切入点：境外贷款　出处：《吉林大学》2017年硕士论文

【摘要】：政策性银行的成立已经有上百年的历史,它属于专门从事政策金融的机构。它主要通过融资的方式为发展中国家和一些经济贫困落后的国家在基础产业开发和工业化过程中提供资金支持,其有效的融资,很大程度上解决了资金缺乏的问题。世界上许多国家成立了这种金融机构,大大的促进了本国经济的迅猛发展。这一期间,国内金融也取得了较快发展。国家为了更好的应对世界全球化的发展趋势,努力提高我国的地位,适应全面实施国家的战略发展需要,迫切的拓展海外业务,其中海外贷款业务对于应对全球化、实现国家战略具有非常重要的作用。战后的日本设立政策性银行,积极发展海外业务,经济很快复苏,获得了较大发展。同为后来赶超的国家,我国与日本的经济发展背景具有很多共同点。日本的政策性银行发展模式较成熟,尤其是海外贷款业务的运行机制,其成功的经验,值得国内政策性银行学习和借鉴。本文旨在通过对比中日最具代表性的两大政策性银行,即中国国家开发银行和日本国际协力银行,对这两大政策性银行进行深入的探讨和分析,主要从海外贷款时国际化区位选择、项目类别比较、市场进入方式以及业务发展等几个方面的差异入手,深入了解我国政策性银行海外贷款的优势与不足,并提出政策和建议。对中日政策性银行这一课题研究的学者很多,但他们大多研究中国或日本政策性银行的发展、理论基础以及面临的困境和解决对策,但是很少有学者专门研究政策性银行海外贷款这一课题。本文从银行跨境贷款的发展着手,采用比较研究的方法,探索不同的偏好选择对银行的发展究竟有着何种的影响。文章总共六部分。第一部分是绪论,第二部分讨论了政策性银行海外贷款的主要的两大理论基础即:行为金融理论和开发性金融理论以及国内发展政策性银行情况,第三部分具体分析了中国国家开发银行和日本国际协力银行目前海外贷款的发展现状及特点分析,第四部分主要对中国国家开发银行和日本国际协力银行海外贷款的入境偏好,分别从国家化区位选择、项目类别、市场进入方式以及业务发展等几个方面进行分析,找出两者存在的差异。第五部分分析从日本成熟的国际经验中,给我国政策性银行的未来的海外业务发展提供建议和对策。主要从国际化区位选择、市场进入方式、业务发展、项目选择以及运营与管理五个方面提出改进意见和对策,主要包括始终坚持以国家战略为贷款发展的核心动力,兼顾履行国际责任、国际业务的重点区域选择在亚洲地区,其次拉丁美地区、积极拓展合作机构,建立海外代理网络、境外业务稳步向混业经营发展,实现业务多元化及收入来源多样化等几个方面。第六部分是论文最后一部分,得出主要结论和待进一步研究的问题。总之,对日本成熟完善的政策性银行海外贷款的运作机制和体制研究后,不难发现,政策性银行对我国经济发展以及全球区域经济发展起到极为强大的支持和推动作用。因此,对政策性银行海外贷款的的研究不仅具有较高的学术参考价值,而且也富有极大的现实意义。政策性银行承载着国家重要的战略职责,才能更好地发挥其应有的功能,我们可以借鉴日本政府金融机构使用财政政策最成功的经验去服务和指导我国政策性银行的发展和进步,达到“他山之石,可以攻玉”的效果。
[Abstract]:The establishment of policy bank has a history of hundreds of years, it is specialized in the policy of financial institutions. It is mainly through the way of financing for developing countries and backward economy countries provide funds in the process of industrialization based on industrial development and financing support, its effective, largely solved the problem of lack of funds. Many countries in the world set up the financial institutions, which greatly promoted the rapid development of the national economy. During this period, the domestic financial has also made rapid development. In order to better cope with the development trend of globalization, efforts to improve the status of our country's need to adapt to the full implementation of national development strategy, eager to expand overseas business, including overseas loan business to deal with globalization, plays a very important role in the realization of national strategy. The post-war Japan set up policy banks, actively Development of overseas business, a quick economic recovery, has achieved great development. The same as the later catching up countries, China and Japan's economic development background has a lot in common. The policy bank of Japan's development mode is more mature, especially the operation mechanism of overseas loan business, its successful experience is worth learning of policy banks in China and reference. This paper aims to the two policy banks through the comparison on the most representative, namely China National Development Bank and Japan Bank for international cooperation, in-depth discussion and analysis of the two policy banks, mainly from overseas loans when the internationalization of location selection, project categories, starting with the mode of market access and business development and other aspects of the differences, in-depth understanding of China's policy banks overseas loan's advantages and disadvantages, and put forward the policy and suggestion. On this topic, scholars of policy banks A lot of research and development, but most of them Chinese or Japanese policy bank, theoretical basis and problems and solutions, but few scholars have studied this subject of policy banks overseas loans. This paper starts from the development of cross-border loans to banks, using the method of comparative study, to explore the different preferences of the development of the bank how kind of effect. The article altogether six parts. The first part is the introduction, the second part discusses the policy bank overseas loans two main theoretical basis: behavioral finance theory and the development of financial theory and policy banks to domestic development situation, the third part analyses the China State Development Bank and the Japan International Bank for international cooperation of current development and features of overseas loan analysis, the fourth part of the Chinese National Development Bank and Japan Bank for international cooperation overseas The loan entry preference, respectively from the country of location selection, project category, market entry and business development in several aspects of the analysis, find out the differences. The fifth part is the analysis of Japan from the mature international experience, to the policy banks in China's future overseas business development to provide advice and countermeasures mainly from the internationalization. Location selection, market entry, business development, project selection, operation and management of the five aspects of improvement suggestions and countermeasures, including adhering to the national strategy as the core driving force of development loans, taking into account the implementation of the international responsibility, key areas of international business in Asia, followed by Latin America, actively expand cooperation mechanism and the establishment of overseas agent network, overseas business steadily to mixed development, several aspects of diversifying and diversify income sources. Sixth Is the last part of this paper, the main conclusions and the problems to be further studied. In conclusion, operation mechanism and system of Policy Bank of Japan mature overseas loans, it is not difficult to find, the policy banks in China's economic development and the regional economic development plays a very strong support and promotion the role of policy banks. Therefore, overseas loans research not only has high academic value, but also has great practical significance. The policy banks carrying the important responsibilities of the national strategy, in order to better play its function, we can learn from the Japanese government financial institutions to use fiscal policy to the most successful experience the service and guidance of policy banks in China's development and progress, to achieve "outside the box, so the effect.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F831.2

【相似文献】