本文選題：銀行 + 匯率　； 參考：《電子科技大學(xué)》2014年碩士論文

【摘要】：付匯業(yè)務(wù)是商業(yè)銀行的基礎(chǔ)外匯業(yè)務(wù)。隨著中國對外開放的不斷加劇,國內(nèi)企業(yè)外貿(mào)交易逐漸頻繁;而伴隨著中國匯率制度的不斷完善,人民幣不斷國際化,對外貿(mào)易存在著明顯的匯率風(fēng)險(xiǎn)。在這樣的市場環(huán)境中,商業(yè)銀行通過豐富付匯業(yè)務(wù)方案來提高其客戶吸引力和客戶粘性具有重要的意義。本文采用規(guī)范研究為主,實(shí)證分析為輔的方法,分析思路為找出問題——分析問題——解決問題——效果(案例)說明,邏輯結(jié)構(gòu)是按照理論——現(xiàn)狀——對策的基本層次展開。本文以PN銀行為研究對象,基于匯率風(fēng)險(xiǎn)管理的角度,對其付匯業(yè)務(wù)方案進(jìn)行創(chuàng)新。首先,對匯率理論、匯率風(fēng)險(xiǎn)的基礎(chǔ)理論、匯率風(fēng)險(xiǎn)管理理論進(jìn)行了綜述。其次,對PN銀行的匯率風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行分析,通過研討會和問卷調(diào)查方法分析得出PN銀行付匯業(yè)務(wù)方案中存在的主要問題:傳統(tǒng)付匯業(yè)務(wù)方案不能在控制匯率風(fēng)險(xiǎn)的前提下給客戶帶來更多的收益,客戶粘性不高,沒有融資功能。再次,針對PN銀行付匯業(yè)務(wù)方案中存在的問題,以風(fēng)險(xiǎn)收益原理為基礎(chǔ),結(jié)合金融衍生品,本文提出了新的業(yè)務(wù)方案——“存貸匯一體化”。最后,通過實(shí)例分析來檢驗(yàn)新業(yè)務(wù)方案的效果。本文認(rèn)為:“存貸匯一體化”業(yè)務(wù)方案是多種金融產(chǎn)品的有機(jī)結(jié)合;具有付匯功能和融資功能;在利差收益與匯差收益之和為正的前提下,能給客戶帶來收益,具有增值功能�？梢娡鈪R金融業(yè)務(wù)的創(chuàng)新應(yīng)充分考慮客戶的需求、銀行的內(nèi)部環(huán)境和外匯市場環(huán)境,給客戶和銀行帶來雙贏,增進(jìn)銀企關(guān)系。商業(yè)銀行通過付匯業(yè)務(wù)方案的創(chuàng)新,豐富其付匯業(yè)務(wù),能提高業(yè)務(wù)的客戶吸引力和客戶粘性。
[Abstract]:Foreign exchange payment is the basic foreign exchange business of commercial banks. With the deepening of China's opening to the outside world, foreign trade transactions of domestic enterprises are becoming more and more frequent, while with the continuous improvement of China's exchange rate system, the internationalization of RMB, the foreign trade has obvious exchange rate risks. In such a market environment, it is of great significance for commercial banks to improve their customer attractiveness and customer stickiness by enriching their foreign exchange payment schemes. This paper adopts the method of normative research, supplemented by empirical analysis. The analysis thought is to find out the problem-analysis problem-problem-solving effect (case). The logical structure is carried out according to the basic level of theory-present-game. This paper takes PN bank as the research object and innovates the scheme of foreign exchange payment based on exchange rate risk management. Firstly, the theory of exchange rate, the basic theory of exchange rate risk and the theory of exchange rate risk management are summarized. Secondly, the paper analyzes the current situation of PN bank's exchange rate risk management. Through the analysis of seminars and questionnaires, the main problems in PN bank's foreign exchange payment scheme are obtained: the traditional foreign exchange payment scheme can not bring more benefits to customers under the premise of controlling exchange rate risk, and the customer's stickiness is not high. No financing function. Thirdly, aiming at the problems existing in PN bank's foreign exchange payment scheme, based on the principle of risk return and financial derivatives, this paper puts forward a new business plan, "integration of deposit, loan and remittance". Finally, the effect of the new business scheme is tested by example analysis. This paper holds that the business scheme of "integration of deposit, loan and remittance" is an organic combination of various financial products; it has the function of foreign exchange payment and financing; under the premise that the sum of interest difference income and remittance profit is positive, it can bring customers income and has the function of adding value. Therefore, the innovation of foreign exchange financial business should fully consider the needs of customers, the internal environment of banks and the foreign exchange market environment, bring win-win situation to customers and banks, and enhance the relationship between banks and enterprises. Commercial banks enrich their foreign exchange payment through the innovation of foreign exchange payment schemes, which can improve the customer attraction and customer stickiness of the business.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

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本文編號：1775273