本文選題：商業(yè)銀行 + 走出去戰(zhàn)略��； 參考：《安徽大學(xué)》2013年碩士論文

【摘要】：隨著我國改革開放的深入推進(jìn),應(yīng)運(yùn)而生的是開放型經(jīng)濟(jì)的到來。面對日益發(fā)展的國內(nèi)外經(jīng)濟(jì)環(huán)境,我國作為崛起的經(jīng)濟(jì)體不斷深入與世界經(jīng)濟(jì)接軌,并以更加主動的姿態(tài)融入世界經(jīng)濟(jì)的發(fā)展之中。與此同時,我國企業(yè)掀起了“走出去”浪潮,并形成一定規(guī)模,商業(yè)銀行作為金融業(yè)中的基礎(chǔ)行業(yè),也展現(xiàn)了積極的海外擴(kuò)張趨勢。從上個世紀(jì)開始,我國商業(yè)銀行就在大大小小走出國門的企業(yè)身后緊緊跟隨,從多條途徑和多種方式上開展海外經(jīng)營探索,這不僅是在推動國內(nèi)企業(yè)的海外發(fā)展,也是為了在全球?qū)ふ倚碌睦麧櫾鲩L點(diǎn)。除了國內(nèi)企業(yè)的國際化經(jīng)營需要本國銀行的后備支持,人民幣的國際化也同樣離不開國內(nèi)商業(yè)銀行的國際化。從以往他國經(jīng)驗(yàn)來看,商業(yè)銀行的國際化與人民幣的國際化是相互影響和促進(jìn)的關(guān)系：人民幣國際化通過構(gòu)建人民幣的回流以及投資渠道可以建立離岸中心,使得我國商業(yè)銀行的整個體系獲得調(diào)整和完善,增強(qiáng)其市場開放程度和競爭力；另外,我國商業(yè)銀行有能力承擔(dān)起人民幣國際結(jié)算這一職能,其全球網(wǎng)絡(luò)的建立將有利于推廣跨境人民幣業(yè)務(wù),從而推動人民幣國際化的實(shí)現(xiàn)。因此可以說,我國商業(yè)銀行“走出去戰(zhàn)略”的實(shí)施是實(shí)現(xiàn)中國金融全球化的基礎(chǔ),同時也是為跨國企業(yè)提供支撐從而實(shí)現(xiàn)中國經(jīng)濟(jì)全球化的重要力量。 在當(dāng)前貨幣體系和國際上金融形勢在不斷發(fā)生變革的背景下,我國商業(yè)銀行正處于國際化戰(zhàn)略的初級階段,由于機(jī)構(gòu)體系龐大、國內(nèi)同業(yè)競爭劇烈、母行發(fā)展受到限制等狀況使得在目前的國內(nèi)外環(huán)境中無法獨(dú)善其身,必須在尋求發(fā)展的道路上開啟國際化經(jīng)營的道路,而最直接的方式就是機(jī)構(gòu)本身的外擴(kuò),即實(shí)施“走出去戰(zhàn)略”。從發(fā)展現(xiàn)狀來看,國有商業(yè)銀行是這一戰(zhàn)略的實(shí)施主體,而國內(nèi)一些股份制商業(yè)銀行業(yè)也在加緊海外步伐,是這一戰(zhàn)略的新興投資方；投資目標(biāo)地區(qū)的選擇大多數(shù)以港澳地區(qū)為初探,進(jìn)而延伸至亞洲,再向歐美等發(fā)達(dá)經(jīng)濟(jì)體擴(kuò)張；各商業(yè)銀行海外經(jīng)營的業(yè)績節(jié)節(jié)攀升,海外資產(chǎn)和利潤水平不斷增長,但從業(yè)務(wù)經(jīng)營范圍的多樣化程度來看還略顯單一。本文通過對比數(shù)據(jù)得出上述發(fā)展現(xiàn)狀的特點(diǎn)之后,運(yùn)用實(shí)證分析法研究我國商業(yè)銀行“走出去戰(zhàn)略”發(fā)展的動因,從回歸結(jié)果來看：我國商業(yè)銀行追隨企業(yè)客戶走出國門這一戰(zhàn)略動機(jī)非常明顯；為了獲得發(fā)達(dá)經(jīng)濟(jì)體的先進(jìn)管理經(jīng)驗(yàn)和技術(shù)并占領(lǐng)市場這一動機(jī)也成為國內(nèi)各家銀行的戰(zhàn)略驅(qū)動力；而隨著現(xiàn)階段科技通訊水平的不斷提高,地理距離已經(jīng)不會對投資目標(biāo)國的選擇造成太大影響。 接著本文對影響我國商業(yè)銀行“走出去戰(zhàn)略"實(shí)施的四方面因素進(jìn)行了整體分析：從實(shí)施這一戰(zhàn)略的優(yōu)勢因素來說,主要表現(xiàn)為我國主體投資方的資產(chǎn)規(guī)模、資產(chǎn)質(zhì)量和盈利能力具有國際競爭力,另外由于政府部門或者國有企業(yè)作為主要控股方,為銀行信譽(yù)提供了支持；從劣勢因素來看,主要集中于國際化發(fā)展經(jīng)驗(yàn)的不足、創(chuàng)新能力不強(qiáng)以及高級人才匱乏等；從我國商業(yè)銀行實(shí)施“走出去戰(zhàn)略”所面臨的機(jī)會因素來看,人民幣國際化趨勢是一個良好的契機(jī),國內(nèi)企業(yè)大規(guī)模外擴(kuò)以及國內(nèi)政策環(huán)境的支持,都成為有利的促成因素；最后從威脅因素分析,主要集中于東道國嚴(yán)格的法律監(jiān)管環(huán)境、主權(quán)債務(wù)危機(jī)以及資本估值的信息不對稱等。可見,我國商業(yè)銀行“走出去”所面臨的是一條任重而道遠(yuǎn)的跨國經(jīng)營之路,但若能夠合理規(guī)避風(fēng)險因素,改變本身的劣勢,抓住機(jī)遇充分發(fā)揮本身優(yōu)勢,必將開創(chuàng)我國銀行業(yè)在世界舞臺上的繁榮之景。 本文最后針對現(xiàn)狀和影響因素這兩個核心分析部分中所涉及到的我國商業(yè)銀行在“走出去”過程中面臨的問題,并結(jié)合兩大優(yōu)秀跨國銀行的成功海外發(fā)展經(jīng)驗(yàn),提出了有針對性的對策建議。
[Abstract]:With the deepening of the reform and opening - up of our country , it is the arrival of open economy . In the face of the increasingly developing domestic and foreign economic environment , our country , as the rising economy , is continuously deepening and integrating with the world economy . At the same time , our country ' s commercial bank has made a positive overseas expansion trend . In addition to the internationalization of domestic commercial banks , the internationalization of the commercial banks and the internationalization of RMB are mutually influenced and promoted . From the experience of other countries , the internationalization of the commercial banks and the internationalization of RMB are the relations of mutual influence and promotion .
In addition , China ' s commercial banks have the ability to assume the function of RMB international settlement . The establishment of the global network will be conducive to the promotion of cross - border RMB business , thus promoting the realization of the internationalization of RMB . Therefore , the implementation of the " going out strategy " of commercial banks in China is the foundation for the realization of China ' s financial globalization , and it is also an important force to support multinational enterprises to realize the globalization of China ' s economic globalization .

Under the background of changing the current monetary system and the international financial situation , our commercial banks are in the primary stage of the internationalization strategy . Due to the huge institutional system , the fierce domestic competition and the restriction of the bus development , the most direct way is to open the internationalization management road on the road seeking development , and the most direct way is to implement the " go out strategy " .
The choice of investment target area is mainly based on Hong Kong and Macao , which extends to Asia and then expands to developed economies such as Europe and America ;
The performance of overseas operations of commercial banks has climbed , overseas assets and profit levels are increasing , but from the extent of diversification of the business scope of business , this paper makes use of empirical analysis to study the motivation of the development of " Going - out Strategy " of commercial banks in our country . From the regression results , it is obvious that Chinese commercial banks follow the strategic motivation of the enterprise customers to go out of the state door .
In order to obtain the advanced management experience and technology of advanced economies and dominate the market , this motivation has also become the strategic driving force of domestic banks .
With the improvement of the level of science and technology communication at present , the geographical distance will not have much influence on the choice of investment target country .

This paper analyzes the four factors that affect the implementation of the " Going - out Strategy " of commercial banks in China : from the advantage factors of implementing this strategy , the main performance is that the assets scale , asset quality and profitability of the main investors of our country have international competitiveness . In addition , because the government departments or the state - owned enterprises act as the main holding parties , they provide the support for the bank ' s credibility . From the point of view of the disadvantages , the trend of RMB internationalization is a good opportunity , and the large - scale external expansion of domestic enterprises and the support of domestic policy environment are all the favorable factors ;
Finally , from the analysis of the threat factors , it is mainly focused on the strict legal supervision environment , sovereign debt crisis and the information asymmetry of capital valuation in the host country . It can be seen that China ' s commercial bank is facing a long - term transnational operation , but if it can reasonably avoid risk factors , change its disadvantages , seize the opportunity to give full play to its own advantages , it will open up the prosperity of China ' s banking in the world stage .

Finally , aiming at the problems faced by the commercial banks in the process of " going out " , and combining the successful overseas development experiences of the two great transnational banks , the paper puts forward some countermeasures .
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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