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| 论文编号： | 5863 | |
| 作者编号： | 2120112571 | |
| 上传时间： | 2013/12/5 16:52:24 | |
| 中文题目： | XX银行离岸业务开发战略研究 | |
| 英文题目： | XX bank offshore business development strategy research | |
| 指导老师： | 王迎军 | |
| 中文关键字： | 银行，离岸业务，开发战略 | |
| 英文关键字： | Bank，Offshore business，Development strategy | |
| 中文摘要： | 离岸金融业务是服务于非居民的一种金融活动，银行吸收非居民的资金。银行的服务对象为在中国内地为中国境外（含港、澳、台地区）注册的公司和非居民个人客户提供的存款、贷款、结算等海外银行服务。它以境外的可自由兑换货币为交易工具，基本上不受中国国内外汇管制及税制限制、不受市场所在地经济发展状况和资金实力的限制、具有较大的业务灵活性。我国离岸金融业务开展较晚，较一些发达国家相比，我国还没有形成真正意义上的离岸金融市场。而在此基本上，各家持有离岸业务牌照的银行也都在这样的环境下积极探索自己的离岸业务经营发展之路。 本人08年本科毕业后进入XX银行工作，从事国际结算、贸易融资、离岸金融等相关业务。今年主要接触离岸业务，在了解了离岸业务的发展轨迹，国内外离岸金融市场、相关规章制度后，开始思考XX银行离岸业务的发展方向和发展方式，随着国家对滨海新区东疆港相关政策的实施，结合上海自贸区及深圳前海等相关情况，着力研究如何发展XX银行离岸业务。目前，随着我国利率市场化发展、人民币国际化进程加剧，离岸业务是XX银行打造自身特色和优势的突破口。但目前XX银行本身在离岸业务的发展上，行内本身的架构上、产品的创新上、人力资源的发展上、组织的设计上都相对落后和不适宜。本人希望结合所学知识及相关的工作经验及现在的市场情况，对XX银行离岸业务的开发战略提出自己的见解，希望能促进XX银行离岸金融业务更好的开展。 | |
| 英文摘要： | Offshore financial business is a kind of financial services to nonresidents，nonresidents of the banks to absorb funds. The bank serves in the mainland of China for Chinese overseas(including Hong Kong，Macao，and Taiwan regions) registered companies and non-resident individuals to provide deposits，loans，settlement and other overseas banking service. It takes foreign convertible currency as the tools of the trade，basically not subject to Chinese domestic foreign exchange controls and restrictions，tax is not affected by the market place economy development and financial strength limit，has greater business agility. In the late of offshore financial business in China，compared with developed countries，China has no real sense of offshore financial market. This basically，each holding offshore business license banks arein such an environment and actively explore the offshore business development road of their own. I graduated in 2008 and entered XX Bank, engaged in international settlement, trade finance, offshore finance and other related businesses, and am mainly responsible for offshore business in this year. Based on understanding of the development path of offshore business, domestic and offshore financial markets, the relevant rules and regulations, adding to our bank’s offshore business development situation, comparing with other banks’ market sharing, I begins to thinking XX Bank’s offshore business development direction and modes of development. With the related policy for Dong jiang Port in Binhai New Area has been implement, and with other business on offshore finance continues to integration, the cycle of production update acceleration, XX Bank’s offshore business development is imminent. With the development of interest rate market and the process of internationalization of the RMB, the offshore finance business is the breach of XX Bank make their own business outstanding. While at this moment, XX Bank is relatively backward on its offshore finance business, including line architecture, product innovation, human resource development and organizational design. I hope the combination of knowledge and the related work experience and current market situation，put forward his opinion on the development strategy of XX bank offshore business，hoping to promote the development of offshore financial business of XX bank better. | |
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