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论文编号：	12113
作者编号：	2320180367
上传时间：	2020/12/11 23:56:43
中文题目：	SZ银行跨境融资业务风险管理研究
英文题目：	Research on Cross-border Finance Business Risk Management of SZ Bank
指导老师：	王曼舒
中文关键字：	SZ银行跨境融资业务风险管理研究
英文关键字：	Research on Cross-border Finance Business Risk Management of SZ Bank
中文摘要：	随着我国经济的不断发展和对外开放不断深入，我国近10年来每年吸引外商直接投资始终保持在1100亿美元以上。应产业转型升级的需要，境内企业对外投资布局海外市场的需求也日益增强。目前，我国跨境资本流动已形成“收略大于支，收支基本平衡”的格局，跨境资本项目也在一定程度上实现可兑换，投资便利化政策层出不穷。 本文所称的跨境融资业务，指商业银行为企业跨境投资活动提供的以跨境融资业务为核心的配套金融服务，外债贷款、国际贸易等非投资项下跨境融资业务不在本文讨论范围之内。企业跨境投资活动，离不开商业银行的跨境融资服务，同时银行也肩负着代表金融监管部门执行资本项目监管政策的职责，这对仍以传统国际贸易结算服务为主的我国银行业提出了巨大的挑战，同时也带来了新的机会。因此，本文采用调查研究法和案例分析法，站在商业银行角度，通过梳理我国跨境融资监管政策，对SZ银行近年来的跨境融资业务风险管理策略进行研究，分析典型案例的得失教训，提出风险管理优化措施，希望对正在着手发展跨境融资业务的国内银行提供一些参考和借鉴。 受保护主义思潮影响，经济全球化进入阶段性低潮，我国企业近年的对外投资活动也遇到了一些波折。相信随着我国资本项目继续开放，企业跨境投资经营的经验不断积累，我国在成为全球生产贸易大国后，未来也必将成为全球资本市场的主要参与者。相应地，我国商业银行亟待提高向国内外企业提供跨境融资金融服务的能力，并管理好相关风险，同步提升我国银行业的专业形象和国际市场地位。
英文摘要：	With the continuous development of China's economy and the deepening of opening up to the outside world, China has been attracting foreign direct investment of more than 110 billion U.S. dollars every year for the past 10 years. In response to the needs of industrial transformation and upgrading, the demand of domestic enterprises to lay out overseas markets for overseas investment is also increasing day by day. At present, China's cross-border capital flows have formed a "slightly larger than expenditure, the basic balance of income and expenditure" pattern, cross-border capital projects to a certain extent to achieve convertibility, investment facilitation policy is emerging. The cross-border financing business referred to in this paper refers to the supporting financial services provided by commercial banks for cross-border investment activities of enterprises with cross-border financing as the core, and the cross-border financing business under foreign debt loans, trade finance and other non-investment items is not covered by this article. Cross-border investment activities of enterprises cannot be separated from the financing services of commercial banks, banks are also shouldering the responsibility of carrying out the supervision policy of capital projects on behalf of financial regulatory authorities, which poses great challenges to China's banking industry, which is still dominated by traditional international trade settlement services, and also brings new opportunities. Therefore, this paper adopts the investigation and research method and case analysis method, from the perspective of commercial banks, through combing China's cross-border financing supervision policy, SZ Bank in recent years in cross-border financing business risk management strategy research, analysis of the typical case of the lessons learned, put forward risk management optimization measures, hoping to start the development of cross-border financing business of domestic banks to provide some reference. Influenced by the trend of protectionism, economic globalization has entered a stage low tide, and the cross-border investment activities of Chinese enterprises in recent years have also encountered some ups and downs. It is believed that as China's capital projects continue to open up and the experience of cross-border investment and operation of enterprises continues to accumulate, China will become a major player in the global capital market in the future after becoming a major producer and trading country. Accordingly, China's commercial banks urgently need to improve the ability to provide cross-border financing financial services to domestic and foreign enterprises, and manage the related risks, and simultaneously enhance the professional image of China's banking industry and international market status.
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