本文選題：金融危機(jī) + 中資銀行　； 參考：《安徽大學(xué)》2013年碩士論文

【摘要】：隨著經(jīng)濟(jì)全球化的不斷發(fā)展,金融作為國民經(jīng)濟(jì)的命脈,扮演著舉足輕重的作用。二十世紀(jì)九十年以來,西方國家宣揚(yáng)的金融自由化理念使得全球金融行業(yè)同業(yè)競爭更加激烈,傳統(tǒng)商業(yè)銀行面臨著巨大的機(jī)遇和挑戰(zhàn)。在經(jīng)歷了2008年金融危機(jī)以后,各國的經(jīng)濟(jì)都受到一定程度的損傷,特別是給一直崇尚金融自由化的歐美銀行予以重創(chuàng)。反觀國內(nèi)市場,中資銀行股份制改革基本完成,資本實(shí)力和盈利能力都得到了極大的提升,在這種情況下,我國國內(nèi)一批以國有商業(yè)銀行為主體的中資銀行開啟了海外投資的新篇章,它們遵循“走出去”戰(zhàn)略指導(dǎo),敢于面對(duì)國際化的競爭和挑戰(zhàn),吸收國際先進(jìn)的管理經(jīng)驗(yàn),選擇不同的海外擴(kuò)張模式,最大限度地提升自己的國際競爭力和知名度。由于國內(nèi)資源有限,中資銀行經(jīng)過這么多年的臥薪嘗膽也需要通過“走出去”戰(zhàn)略,與國際一流銀行競爭和合作。 當(dāng)然,我們必須認(rèn)清現(xiàn)階段中資銀行發(fā)展現(xiàn)狀。目前我國中資銀行海外發(fā)展還處于初步階段,海外擴(kuò)張之路還很長,中資銀行如何探索出適合自身特點(diǎn)的擴(kuò)張戰(zhàn)略是值得進(jìn)一步探討的話題。本文首先闡述了商業(yè)銀行國際化的相關(guān)理論,主要從中資銀行海外擴(kuò)張的路徑選擇、跨國商業(yè)銀行的評(píng)定標(biāo)準(zhǔn)以及中資銀行走出去的衡量指標(biāo),第二章主要是概述中資銀行“走出去”的戰(zhàn)略理論,第三章深入分析中資銀行“走出去的”動(dòng)因,分別從外部和內(nèi)部動(dòng)因兩個(gè)方面入手分析,中資銀行應(yīng)該“走出去”,而且必須“走出去”。從外部動(dòng)因來說,主要分析了我國綜合經(jīng)濟(jì)實(shí)力的提升、外貿(mào)環(huán)境利好、人民幣購買能力增強(qiáng)以及經(jīng)濟(jì)危機(jī)給中資銀行帶來契機(jī)這幾個(gè)方面來分析中資銀行“走出去”的理由；從內(nèi)部動(dòng)因來說,主要分析中資銀行股份制改革、資金成本優(yōu)勢和客戶關(guān)系優(yōu)勢這幾個(gè)方面給中資銀行的海外擴(kuò)張積攢了有利籌碼。第四章主要是介紹中資銀行海外發(fā)展的歷程及問題。第五章分析中資銀行海外擴(kuò)張的競爭力分析,筆者運(yùn)用美國駱駝評(píng)價(jià)法,從資產(chǎn)實(shí)力、資產(chǎn)質(zhì)量、盈利能力、流動(dòng)性和管理能力五個(gè)角度,綜合評(píng)價(jià)我國中資商業(yè)銀行與世界先進(jìn)跨國商業(yè)銀行之間的差距和聯(lián)系,促進(jìn)中資銀行對(duì)自身發(fā)展的了解。第六章針對(duì)這些問題提出中資銀行“走出去”策略,從區(qū)位選擇策略、擴(kuò)張形式策略、業(yè)務(wù)選擇策略分析中資銀行的海外擴(kuò)張需要因地制宜,根據(jù)自身特點(diǎn),充分考慮其競爭優(yōu)勢。第七章對(duì)于中資商業(yè)銀行海外擴(kuò)張?zhí)岢龉P者相應(yīng)的政策建議。
[Abstract]:With the continuous development of economic globalization, finance is the lifeblood of the national economy, plays a pivotal role. In twentieth Century ninety years, financial liberalization makes the concept of western countries to promote competition in the global financial industry is more intense, traditional commercial banks are faced with great opportunities and challenges. In the aftermath of the 2008 financial crisis, the world economy have a certain degree of damage, especially to have been advocating financial liberalization and banking be hit. In domestic market, Chinese banks joint-stock reform basically completed, capital strength and profitability has been greatly improved, in this case, in our country, a number of state-owned commercial banks as the main body of the Chinese the bank opened a new chapter in overseas investment, they follow the strategy of "going out" guide, dare to face the international competition and challenges, absorbing the international advanced Experience of management, choose different modes of overseas expansion, to maximize their international competitiveness and visibility. Because of the limited resources of Chinese banks after so many years of hardships also need to "go out" strategy, with the international first-class bank competition and cooperation.
Of course, we must recognize the status of Chinese banks at the present stage of development. At present, the overseas development of Chinese banks is still in the initial stage, overseas expansion of the road is still very long, the Chinese funded banks to explore a suitable expansion strategy is worthy of further discussion. This paper firstly explains the related theories of internationalization of commercial banks, mainly from Chinese banks overseas expansion path selection, evaluation standard of transnational commercial banks and Chinese banks to go out of the measure, the second chapter is mainly an overview of the theory of strategic Chinese banks "going out", the third chapter in-depth analysis of the causes of Chinese banks to "go out", respectively, from the analysis of the two aspects of internal and external reasons, Chinese the bank should "go out", but must "go out". From the external causes, mainly analyzes China's comprehensive economic strength to enhance foreign trade environment. Good, the RMB purchase of capacity and the economic crisis to Chinese banks to bring this opportunity to analyze several aspects of Chinese banks "going out" reason; from internal motivation, the main analysis of Chinese bank shareholding reform, capital cost advantage and advantage of customer relationship this several aspects accumulated favorable chips to Chinese banks overseas expansion in fourth. The chapter mainly introduces the history and development of overseas Chinese banks. The fifth chapter is the analysis of the competitiveness of Chinese banks overseas expansion, the author uses the American Camel evaluation method, from the strength of assets and asset quality, profitability, liquidity and five aspects of management ability, comprehensive evaluation between Chinese Commercial Banks and the world's advanced transnational commercial banks the gap and contact, promote Chinese banks on their own understanding of the development. In the sixth chapter, aiming at these problems, Chinese banks "going out" strategy From the location selection strategy, expansion strategy and business choice strategy, the overseas expansion of Chinese banks needs to suit the local conditions and take full account of their competitive advantages according to their own characteristics. The seventh chapter puts forward corresponding policy recommendations for Chinese commercial banks' overseas expansion.

【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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