【摘要】：隨著我國(guó)中小商業(yè)銀行的發(fā)展,中小銀行之間的競(jìng)爭(zhēng)越來(lái)越激烈,各銀行均在不斷尋求新的利潤(rùn)增長(zhǎng)點(diǎn),在此背景下,越來(lái)越多的中小商業(yè)銀行開(kāi)始經(jīng)營(yíng)國(guó)際業(yè)務(wù),開(kāi)展國(guó)際業(yè)務(wù)逐漸成為中小商業(yè)銀行經(jīng)營(yíng)標(biāo)的一種趨勢(shì)。 目前,國(guó)內(nèi)學(xué)者對(duì)我國(guó)商業(yè)銀行開(kāi)展國(guó)際業(yè)務(wù)方面的研究大體可分為以下兩類(lèi)：一是對(duì)商業(yè)銀行國(guó)際業(yè)務(wù)發(fā)展方面的研究,側(cè)重于對(duì)銀行經(jīng)營(yíng)國(guó)際業(yè)務(wù)方面的全面分析,特別是對(duì)國(guó)際業(yè)務(wù)發(fā)展戰(zhàn)略、市場(chǎng)定位、發(fā)展趨勢(shì)等方面的剖析；二是對(duì)商業(yè)銀行國(guó)際業(yè)務(wù)風(fēng)險(xiǎn)控制的研究,側(cè)重于對(duì)商業(yè)銀行發(fā)展過(guò)程中的風(fēng)險(xiǎn)控制,特別是銀行國(guó)際貿(mào)易融資風(fēng)險(xiǎn)的控制。上述研究成果均未區(qū)分大型商業(yè)銀行與中小商業(yè)銀行的不同特點(diǎn),而是概括的進(jìn)行全面分析。 中小商業(yè)銀行具有不同于大型國(guó)有及股份制商業(yè)銀行的特點(diǎn),決定了經(jīng)營(yíng)國(guó)際業(yè)務(wù)也具有其不同之處,故不能照搬大型商業(yè)銀行經(jīng)營(yíng)國(guó)際業(yè)務(wù)的經(jīng)驗(yàn)。因此,本文通過(guò)分析中小商業(yè)銀行經(jīng)營(yíng)國(guó)際業(yè)務(wù)的特點(diǎn),全面挖掘中小商業(yè)銀行經(jīng)營(yíng)國(guó)際業(yè)務(wù)各方面的風(fēng)險(xiǎn)控制要點(diǎn),為中小商業(yè)銀行順利開(kāi)展國(guó)際業(yè)務(wù)提出有用的建議,對(duì)于中小商業(yè)銀行,特別是新開(kāi)辦或者準(zhǔn)備開(kāi)辦國(guó)際業(yè)務(wù)的中小商業(yè)銀行具有重要的實(shí)際意義。 中小商業(yè)銀行因自身規(guī)模小、業(yè)務(wù)經(jīng)驗(yàn)不足、員工專(zhuān)業(yè)素質(zhì)普遍不高等原因,導(dǎo)致其在經(jīng)營(yíng)國(guó)際業(yè)務(wù)過(guò)程中的風(fēng)險(xiǎn)控制能力不足,以致出現(xiàn)部分風(fēng)險(xiǎn)。本文從中小商業(yè)銀行自身的特點(diǎn)出發(fā),分析其風(fēng)險(xiǎn)控制能力不足的原因,論證中小商業(yè)銀行風(fēng)險(xiǎn)控制的薄弱環(huán)節(jié),挖掘中小商業(yè)銀行的優(yōu)勢(shì),提出取長(zhǎng)補(bǔ)短、加強(qiáng)風(fēng)險(xiǎn)控制能力的措施和建議,以促進(jìn)中小商業(yè)銀行國(guó)際業(yè)務(wù)的發(fā)展。 本文第一部分緒論,介紹選題背景與意義以及研究方法等,第二部分研究銀行風(fēng)險(xiǎn)控制的相關(guān)理論和國(guó)內(nèi)外研究的現(xiàn)狀,第三部分揭示中小商業(yè)銀行國(guó)際業(yè)務(wù)風(fēng)險(xiǎn)現(xiàn)狀,第四部分深入分析國(guó)際業(yè)務(wù)風(fēng)險(xiǎn)成因,第五部分提出中小銀行控制國(guó)際業(yè)務(wù)風(fēng)險(xiǎn)的政策建議,第六部分是本文的總結(jié)。
[Abstract]:With the development of small and medium-sized commercial banks in China, the competition between small and medium-sized banks is becoming more and more intense. Each bank is constantly seeking new profit growth points. Under this background, more and more small and medium-sized commercial banks begin to operate international business. Developing international business has gradually become a trend of small and medium commercial banks. At present, the domestic scholars' research on the international business of Chinese commercial banks can be divided into the following two categories: first, the research on the development of international business of commercial banks, with emphasis on the comprehensive analysis of the international business of banks. In particular, the analysis of international business development strategy, market positioning, development trend, and other aspects; second, the study of international business risk control of commercial banks, focusing on the development of commercial banks in the process of risk control, Especially the bank international trade financing risk control. The above research results do not distinguish between the large commercial banks and the small and medium-sized commercial banks, but generalize the overall analysis. Small and medium-sized commercial banks are different from large state-owned and joint-stock commercial banks, which determines that the international business has its own differences, so it is not possible to copy the experience of large commercial banks in international business. Therefore, by analyzing the characteristics of international business of small and medium-sized commercial banks, this paper comprehensively excavates the main points of risk control in all aspects of international business of small and medium-sized commercial banks, and puts forward useful suggestions for the smooth development of international business of small and medium-sized commercial banks. It is of great practical significance for small and medium-sized commercial banks, especially those newly opened or ready to start international business. Because of their small scale, lack of business experience and low professional quality of their staff, the small and medium-sized commercial banks have insufficient risk control ability in the process of managing international business, resulting in some risks. Starting from the characteristics of small and medium-sized commercial banks, this paper analyzes the reasons for their insufficient risk control ability, demonstrates the weak links of risk control of small and medium-sized commercial banks, excavates the advantages of small and medium-sized commercial banks, and puts forward that the advantages of small and medium-sized commercial banks should be supplemented by each other. Measures and suggestions to strengthen risk control ability to promote the development of international business of medium and small commercial banks. The first part of this paper introduces the background and significance of the topic, as well as the research methods. The second part studies the relevant theory of bank risk control and the current situation of domestic and foreign research. The third part reveals the current situation of international business risk of small and medium-sized commercial banks. The fourth part deeply analyzes the causes of international business risk, the fifth part puts forward the policy recommendations of small and medium-sized banks to control the international business risk, and the sixth part is the summary of this paper.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

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本文編號(hào)：2230289