本文選題：工商銀行 + 跨境人民幣業(yè)務(wù)�。� 參考：《吉林大學(xué)》2012年碩士論文

【摘要】：2008年9月全球金融危機(jī)爆發(fā)以來(lái)，周邊國(guó)家和地區(qū)對(duì)人民幣業(yè)務(wù)的需求上升，我國(guó)政府順勢(shì)而為明顯加快了對(duì)人民幣國(guó)際化的推動(dòng)力度。對(duì)于長(zhǎng)期以來(lái)以經(jīng)營(yíng)人民幣業(yè)務(wù)為主的中資商業(yè)銀行而言，人民幣國(guó)際化的推進(jìn)將為其開拓國(guó)際市場(chǎng)、壯大境外機(jī)構(gòu)實(shí)力、提升國(guó)際競(jìng)爭(zhēng)力帶來(lái)歷史性發(fā)展機(jī)遇。但是和國(guó)際領(lǐng)先商業(yè)銀行相比，我國(guó)商業(yè)銀行所處歷史發(fā)展階段不同，宏觀經(jīng)濟(jì)環(huán)境不同，經(jīng)營(yíng)管理模式不同，核心競(jìng)爭(zhēng)力不同，銀行國(guó)際化路徑必然有很大差異，不能照搬照抄國(guó)外的理論和經(jīng)驗(yàn)?zāi)Ｊ�。�?dāng)前，我國(guó)商業(yè)銀行海外市場(chǎng)知識(shí)的增進(jìn)與應(yīng)對(duì)能力的提高主要依賴“干中學(xué)”’，來(lái)自于理論方面的指導(dǎo)很少。 本文采用理論與實(shí)際相結(jié)合、定性與定量分析相結(jié)合、綜合研究與重點(diǎn)研究相結(jié)合的方法，在對(duì)商業(yè)銀行國(guó)際化的定義、分類以及商業(yè)銀行國(guó)際化路徑動(dòng)因的分析基礎(chǔ)上，以中國(guó)工商銀行跨境人民幣業(yè)務(wù)發(fā)展路徑為切入點(diǎn)，深入探討中國(guó)工商銀行跨境人民幣業(yè)務(wù)的發(fā)展現(xiàn)狀、潛在問(wèn)題和主要影響因素，重點(diǎn)對(duì)中國(guó)工商銀行跨境人民幣業(yè)務(wù)的發(fā)展動(dòng)因、路徑選擇原則和整體規(guī)劃進(jìn)行分析，并結(jié)合中國(guó)工商銀行在東盟地區(qū)的跨境人民幣發(fā)展情況，對(duì)中國(guó)工商銀行跨境人民幣業(yè)務(wù)的發(fā)展路徑特點(diǎn)進(jìn)行研究。 通過(guò)中國(guó)工商銀行跨境人民幣業(yè)務(wù)發(fā)展路徑的分析，本文認(rèn)為： 第一，隨著人民幣國(guó)際化進(jìn)程的加快，跨境人民幣業(yè)務(wù)的發(fā)展將成為未來(lái)商業(yè)銀行競(jìng)爭(zhēng)的重點(diǎn)； 第二，從中國(guó)工商銀行跨境人民幣業(yè)務(wù)的宏觀主要影響因素來(lái)看，制度因素特別是相關(guān)監(jiān)管部門將成為影響跨境人民幣業(yè)務(wù)路徑選擇的主要因素； 第三，，從中國(guó)工商銀行跨境人民幣業(yè)務(wù)的微觀主要影響因素來(lái)看，商業(yè)銀行自身的研發(fā)能力較為重要； 第四，中國(guó)工商銀行在跨境人民幣業(yè)務(wù)上的路徑選擇原則，具有自身的針對(duì)性，同時(shí)也具有一定的普遍意義； 第五，由于商業(yè)銀行可以在微觀因素上進(jìn)行主動(dòng)的調(diào)整，因此，以中國(guó)工商銀行為代表的商業(yè)銀行，在跨境人民幣業(yè)務(wù)發(fā)展路徑選擇上主要以地緣優(yōu)勢(shì)為基礎(chǔ)，以科技研發(fā)能力為核心，以試點(diǎn)交易為渠道，以制度建設(shè)為保障。
[Abstract]:Since the global financial crisis broke out in September 2008, the demand for RMB business in neighboring countries and regions has increased. For the Chinese commercial banks which are mainly engaged in RMB business for a long time, the promotion of RMB internationalization will bring historical development opportunities for them to open up the international market, strengthen the strength of overseas institutions and enhance their international competitiveness. However, compared with the international leading commercial banks, China's commercial banks are in different stages of historical development, different macroeconomic environment, different management models, different core competitiveness, and the internationalization path of banks is bound to be very different. We should not copy the theory and experience of foreign countries. At present, the improvement of overseas market knowledge and coping ability of Chinese commercial banks mainly depends on "dry middle school". This paper combines theory with practice, qualitative and quantitative analysis, comprehensive research and key research, on the basis of analyzing the definition and classification of the internationalization of commercial banks, as well as the drivers of the internationalization of commercial banks. Taking the development path of ICBC's cross-border RMB business as the starting point, this paper probes into the current development situation, potential problems and main influencing factors of ICBC's cross-border RMB business. Focusing on the ICBC cross-border RMB business development motivation, path selection principles and overall planning, and combined with ICBC's cross-border RMB development in the ASEAN region, This paper studies the characteristics of the development path of ICBC's cross-border RMB business. Based on the analysis of the development path of ICBC's cross-border RMB business, this paper holds that: First, with the acceleration of RMB internationalization, the development of cross-border RMB business will become the focus of future commercial banks competition; Secondly, from the macro factors of ICBC cross-border RMB business, institutional factors, especially relevant regulatory departments, will be the main factors affecting the choice of cross-border RMB business path; Thirdly, from the microcosmic main influencing factors of ICBC's cross-border RMB business, the R & D capability of commercial banks is more important. Fourthly, the route choice principle of ICBC in cross-border RMB business has its own pertinence and also has certain universal significance. Fifthly, because commercial banks can make active adjustments on micro factors, commercial banks, represented by the Industrial and Commercial Bank of China, are mainly based on geographical advantages in choosing the path of cross-border RMB business development. Scientific and technological research and development capabilities as the core, to pilot transactions as a channel, to system construction as a guarantee.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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