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论文编号：	9521
作者编号：	2120152573
上传时间：	2017/12/6 23:09:59
中文题目：	S外资银行贸易融资业务管理研究
英文题目：	Research on Trade Finance Business Management of Foreign Bank S
指导老师：	郝臣
中文关键字：	贸易融资；外资银行；银行管理；创新
英文关键字：	Trade finance; Foreign banks; Banking management; Creation
中文摘要：	自20世纪后期以来，金融全球化以强劲的势头迅速发展，资本流动全球化、金融机构全球化、金融市场全球化，极大地改变了并且继续改变着国际银行业的经营环境和运行方式。这种变化使国际银行业发展出现了新的趋势：国际银行业并购及整合的步伐进一步加快，向业务综合化、经营国际化和产品高科技化发展。随着全球金融一体化进程的加快，国际上一些大银行加速了从国内银行到全球全功能银行的发展步伐，进而促进了贸易融资业务的发展。贸易融资有助于银行优化收入结构、控制经营风险，已成为中国各银行主要推广的业务产品。随着国内中资银行对贸易融资的逐渐看重，以及在贸易融资发展的强劲势头和灵活创新，在华外资银行显得有些心有余而力不足。如何在中国站稳脚跟，发挥自身的独特优势，和中资银行齐头并进、共同发展，贸易融资管理首当其冲成为在华外资银行发展需要考虑的问题。 本文从中外资银行发展情况和贸易融资相关理论开始，结合外资银行的自身特点、优势资源，通过在华外资银行S银行这一具体实例，结合银行发展现状、内部环境和外部环境的特点，提出在中国贸易融资的问题，如目标客户与实际相偏离；贸易融资产品在中国开放品种较少；贸易融资整体业务量低利润低；银行内部流程繁琐。分析成因后，给出建议和对策：从银行内部情况通过集团全球网络，充分发挥协同效应，简化内部结构和业务操作流程，提高效率，建立有效的合规风险管理框架，在风险考虑的基础上真正提高银行贸易融资盈利；从外部环境看供给侧结构性改革对银行贸易融资的启发，顺应一带一路发展，促进S中国贸易融资发展，利用区域化打造S中国各分行贸易融资优势；从产品、服务和流程创新上，推进结构性贸易融资、贸易融资和投行相结合、贸易融资电子化，打造差异化竞争优势；从区块链、产业链金融、与互联网金融平台合作，开创贸易融资的“蓝海”。 S外资银行的具体情况、具体问题虽然是自身特有的，但所面临的问题的性质却可能是普遍的，本文在诊断并提出对外资银行S银行自身问题的对策和建议的同时，也希望能够给在华外资银行甚至中资银行贸易融资管理提供参考。
英文摘要：	From late 20th century, financial globalization developed rapidly in strong momentum, business environment and operation mode of international banking have been changed quickly by capital movement globalization and financial institute globalization. The change made the development of international banking emerged new trend: the pace of international banking merge & acquisition moved faster, develop to comprehensive business, international operation and high technological product. With the quick financial globalization integration, international large banks speed up the development space from local banks to global full functional banks, thereby improve the development of trade finance. Trade finance helps banks optimize the income structure, control operational risk, which become main promote business among all banks in China. With more valued on trade finance and strong momentum & flexible innovation in trade finance area from domestic Chinese banks, foreign banks in China tempt to lack of confidence. How to stick in China, take full distinct strength, keep pace with development with Chinese local banks, management of trade finance is the first issue to considerate for foreign banks in China. The paper starts from the situation of Chinese banks & foreign banks and theories of trade finance, combining the characteristic and strength of foreign banks, introducing the specific case of S bank which is the one foreign bank in China, with the development situation, internal and external environment features, raising the question of trade finance in China, such as deviation between target client and practical client base, few trade finance products in China, low business volume and low profit of trade finance, complicated bank internal processing. After analysis factors, the paper provide the suggestions and improving measures: from view of internal, the bank can use group global network, enhancing synergy, simplified internal structure and operation procedure, improve efficiency, set up efficient compliance risk management frame, real improving profit of trade finance on the basis of consideration of risk; from view of external, adjust trade finance business in the consideration of supply-side reform, improve trade finance complying with the direction of ‘One belt, one road’, enhance trade finance from separate branches by using the regionalization; from view of product and service as well as processing, boost structure trade finance, trade finance integrated with investment banking, E-trade finance to forge differentiation competitive advantage; Using block chain technology, finance of industry chain and cooperation with in ternet financial platform to create own ‘blue ocean’. The concrete situation and issues of S Bank have own specifications, but the nature of issues may be common, in the meantime of diagnose and propose suggestions aiming at own issue of S Bank, the paper could provide reference for all foreign banks in China as well as Chinese local banks.
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