本文選題：貿(mào)易融資　切入點(diǎn)：商業(yè)銀行　出處：《山東大學(xué)》2017年碩士論文

【摘要】：近年來(lái),隨著新巴塞爾協(xié)議的出臺(tái),人民幣國(guó)際化步伐的加快,國(guó)內(nèi)金融業(yè)改革的深入推進(jìn),我國(guó)銀行業(yè)所面臨的內(nèi)外部形勢(shì)發(fā)生了深刻的變化,商業(yè)銀行的傳統(tǒng)經(jīng)營(yíng)模式受到嚴(yán)峻挑戰(zhàn),銀行業(yè)"躺著賺錢(qián)"的時(shí)代一去不復(fù)返。取而代之的是面臨著同業(yè)競(jìng)爭(zhēng)加劇,金融脫媒日益嚴(yán)重,盈利水平不斷下滑的金融業(yè)發(fā)展"新常態(tài)"。在這種情況下,商業(yè)銀行迫切需要尋找新的利潤(rùn)增長(zhǎng)點(diǎn),對(duì)自身的傳統(tǒng)金融產(chǎn)品和金融服務(wù)進(jìn)行優(yōu)化升級(jí)。而國(guó)際貿(mào)易融資業(yè)務(wù)憑借輕資產(chǎn)消耗、綜合效益好等特點(diǎn),不僅成為金融扶持中小企業(yè)、扶持實(shí)體經(jīng)濟(jì)的重要手段,也成為了商業(yè)銀行實(shí)施業(yè)務(wù)轉(zhuǎn)型的重要方向。因此,對(duì)商業(yè)銀行發(fā)展貿(mào)易融資業(yè)務(wù)進(jìn)行研究具有十分重要的理論和現(xiàn)實(shí)意義。本文首先對(duì)商業(yè)銀行貿(mào)易融資業(yè)務(wù)的特點(diǎn)、產(chǎn)品分類(lèi)、發(fā)展意義及發(fā)展趨勢(shì)進(jìn)行了系統(tǒng)闡述;其次,對(duì)煙臺(tái)農(nóng)商銀行發(fā)展貿(mào)易融資業(yè)務(wù)的現(xiàn)狀進(jìn)行了分析,指出了以煙臺(tái)農(nóng)商銀行為代表的地方性金融機(jī)構(gòu)在發(fā)展貿(mào)易融資業(yè)務(wù)時(shí),存在著本外幣發(fā)展不平衡、組織架構(gòu)不完善、營(yíng)銷(xiāo)手段有限、創(chuàng)新能力欠缺、風(fēng)險(xiǎn)防控能力不足等幾個(gè)方面的問(wèn)題;最后,參考借鑒國(guó)內(nèi)外同業(yè)的先進(jìn)經(jīng)驗(yàn)及做法,對(duì)新形勢(shì)下煙臺(tái)農(nóng)商銀行拓展貿(mào)易融資業(yè)務(wù)提出了業(yè)務(wù)發(fā)展策略和組織保障策略。在業(yè)務(wù)發(fā)展對(duì)策上,要做到以下方面:第一,優(yōu)化貿(mào)易融資業(yè)務(wù)營(yíng)銷(xiāo)策略;第二,進(jìn)一步提高貿(mào)易融資產(chǎn)品創(chuàng)新水平;第三,不斷加強(qiáng)貿(mào)易融資業(yè)務(wù)管理;第四,全面深化同業(yè)貿(mào)易金融合作。在組織保障策略方面,一是要不斷更新發(fā)展思維和理念,二是要更加重視專(zhuān)業(yè)化組織架構(gòu)的打造,三是要制定科學(xué)的激勵(lì)制度,四是要全面提升業(yè)務(wù)科技支撐。希望通過(guò)對(duì)煙臺(tái)農(nóng)商銀行發(fā)展貿(mào)易融資業(yè)務(wù)的分析,一方面,提升對(duì)轄內(nèi)中小企業(yè)的服務(wù)支持能力,滿(mǎn)足新形勢(shì)下中小企業(yè)對(duì)貿(mào)易融資產(chǎn)品的新需求,不斷增強(qiáng)適應(yīng)市場(chǎng)的能力,實(shí)現(xiàn)銀企雙贏的局面;另一方面,探尋一條新的以農(nóng)信社為背景的地方性金融機(jī)構(gòu)的生存之道,在傳統(tǒng)利差收益不斷收窄的新常態(tài)下,開(kāi)辟出新的利潤(rùn)增長(zhǎng)點(diǎn),實(shí)現(xiàn)由農(nóng)信社向現(xiàn)代銀行的發(fā)展轉(zhuǎn)型。
[Abstract]:In recent years, with the introduction of the New Basel Accord, the acceleration of the pace of RMB internationalization, and the deepening reform of the domestic financial industry, the internal and external situation faced by our banking industry has undergone profound changes. The traditional business model of commercial banks has been severely challenged, and the era of banks "lying on making money" is gone forever. Instead, they are faced with intensified competition in the same industry and increasingly serious financial disintermediation. In the "new normal" of the development of the financial industry with declining profit levels, commercial banks urgently need to find new profit growth points. To optimize and upgrade their traditional financial products and services. International trade financing business, with the characteristics of light asset consumption and good comprehensive benefits, has become an important means of financial support for small and medium-sized enterprises and for supporting the real economy. Therefore, it is of great theoretical and practical significance to study the development of trade finance business of commercial banks. Product classification, development significance and development trend are systematically expounded. Secondly, the current situation of Yantai Agricultural and Commercial Bank developing trade financing business is analyzed. It is pointed out that the local financial institutions, represented by Yantai Agricultural and Commercial Bank, have unbalanced development of local and foreign currencies, imperfect organizational structure, limited marketing methods and lack of innovative ability when developing trade financing business. Some problems such as insufficient capability of risk prevention and control, and finally, referring to the advanced experiences and practices of domestic and foreign counterparts, This paper puts forward the business development strategy and organization guarantee strategy of Yantai Agricultural and Commercial Bank to expand its trade financing business under the new situation. In the business development countermeasure, it should achieve the following aspects: first, optimize the trade financing business marketing strategy; second, To further improve the level of innovation in trade financing products; third, to continuously strengthen the management of trade finance business; fourth, to comprehensively deepen trade and financial cooperation among the same industry. In terms of organizational security strategies, first, we should constantly update our thinking and ideas on development. The second is to pay more attention to the creation of specialized organizational structure, the third is to formulate a scientific incentive system, and the fourth is to comprehensively upgrade the business science and technology support. It is hoped that through the analysis of Yantai Agricultural and Commercial Bank's development of trade financing business, on the one hand, To enhance the service support capacity for SMEs within their jurisdiction, to meet the new demand of SMEs for trade financing products under the new situation, to continuously enhance their ability to adapt to the market, and to achieve a win-win situation for banks and enterprises; on the other hand, In order to explore a new way for the survival of local financial institutions with the background of rural credit cooperatives (RCCs), and under the new normal condition of narrowing the traditional interest rate difference, a new profit growth point will be opened up, and the development and transformation from RCCs to modern banks will be realized.
【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】：2017
【分類(lèi)號(hào)】：F832.35;F830.42

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