【摘要】：國(guó)際貿(mào)易融資業(yè)務(wù)是一項(xiàng)為企業(yè)的進(jìn)出口貿(mào)易提供融資服務(wù)的業(yè)務(wù),無(wú)論對(duì)于銀行還是對(duì)于企業(yè)均起著積極的作用。尤其對(duì)于銀行而言,集中間業(yè)務(wù)與資產(chǎn)業(yè)務(wù)于一身,使得它不僅可以為銀行帶來(lái)豐厚的中間業(yè)務(wù)收益,還可以優(yōu)化銀行的信貸結(jié)構(gòu)。作為港口城市的寧波,發(fā)達(dá)的進(jìn)出口貿(mào)易為銀行開(kāi)展國(guó)際貿(mào)易融資業(yè)務(wù)提供了旺盛的需求。但寧波農(nóng)行的國(guó)際貿(mào)易融資業(yè)務(wù)與所處的區(qū)位不相適應(yīng),因此研究寧波農(nóng)行如何拓展國(guó)際貿(mào)易融資業(yè)務(wù)顯得十分必要。本文選取寧波農(nóng)行作為研究對(duì)象,在參考國(guó)內(nèi)外文獻(xiàn)的基礎(chǔ)上,從銀行國(guó)際貿(mào)易融資業(yè)務(wù)的影響因素的角度歸納總結(jié)了國(guó)內(nèi)外經(jīng)濟(jì)環(huán)境、銀行國(guó)際貿(mào)易融資業(yè)務(wù)創(chuàng)新能力、銀行國(guó)際貿(mào)易融資業(yè)務(wù)流程、銀行國(guó)際貿(mào)易融資風(fēng)險(xiǎn)控制能力方面的文獻(xiàn)。在此基礎(chǔ)上,為了了解寧波農(nóng)行國(guó)際貿(mào)易融資業(yè)務(wù)近年來(lái)的變化趨勢(shì),圍繞國(guó)際貿(mào)易融資規(guī)模和國(guó)際貿(mào)易融資結(jié)構(gòu)這兩大體現(xiàn)銀行國(guó)際貿(mào)易融資業(yè)務(wù)經(jīng)營(yíng)狀況的因素,將寧波農(nóng)行2007-2013年近七年的國(guó)際貿(mào)易融資業(yè)務(wù)經(jīng)營(yíng)數(shù)據(jù)進(jìn)行了縱向比較。同時(shí),為了真正找到寧波農(nóng)行在該業(yè)務(wù)上存在的不足,還將其與國(guó)際貿(mào)易融資業(yè)務(wù)中的標(biāo)桿同業(yè)—寧波匯豐銀行做了橫向比較分析,從而得知了寧波農(nóng)行的國(guó)際貿(mào)易融資業(yè)務(wù)雖然近幾年保持了進(jìn)步的趨勢(shì),但與寧波匯豐銀行存在著巨大的差距。隨后以挖掘?qū)幉ㄞr(nóng)行國(guó)際貿(mào)易融資業(yè)務(wù)落后的原因?yàn)槟康膶幉ㄞr(nóng)行與寧波匯豐銀行的國(guó)際貿(mào)易融資業(yè)務(wù)創(chuàng)新能力、服務(wù)能力、風(fēng)險(xiǎn)控制能力、業(yè)務(wù)流程這幾大影響因素進(jìn)行了比較分析,從中找出了寧波農(nóng)行在這幾方面與寧波匯豐銀行的差別所在。最后,基于前一章得出的結(jié)論提出相應(yīng)的對(duì)策建議。包括:明確發(fā)展目標(biāo)、通過(guò)創(chuàng)新業(yè)務(wù)品種的功能和服務(wù)渠道來(lái)提高寧波農(nóng)行的國(guó)際貿(mào)易融資業(yè)務(wù)創(chuàng)新能力,從提高服務(wù)質(zhì)量和業(yè)務(wù)授理效率的角度來(lái)提高國(guó)際貿(mào)易融資業(yè)務(wù)服務(wù)能力,通過(guò)建立有效的內(nèi)部信息傳遞機(jī)制來(lái)克服信息不對(duì)稱從而達(dá)到提高風(fēng)險(xiǎn)控制能力的目的,從削弱層級(jí)觀念、強(qiáng)化獎(jiǎng)懲制度的角度出發(fā)來(lái)優(yōu)化寧波農(nóng)行的國(guó)際貿(mào)易融資業(yè)務(wù)流程等。
[Abstract]:International trade financing is a business that provides financing services for the import and export trade of enterprises, which plays an active role for both banks and enterprises. Especially for the bank, it can not only bring the bank rich intermediate business income, but also optimize the credit structure of the bank. As a port city of Ningbo, developed import and export trade provides a strong demand for banks to carry out international trade financing business. However, the international trade financing business of Ningbo Agricultural Bank is not suitable for its location, so it is very necessary to study how to expand the international trade financing business of Agricultural Bank of Ningbo. This paper selects the Ningbo Agricultural Bank as the research object, on the basis of referring to the domestic and foreign literature, sums up the domestic and foreign economic environment and the innovative ability of the bank's international trade financing business from the angle of the influencing factors of the bank's international trade financing business. International trade finance business process, bank international trade financing risk control capacity literature. On this basis, in order to understand the changing trend of Ningbo Agricultural Bank's international trade financing business in recent years, the scale of international trade financing and the international trade financing structure are the two major factors that reflect the operation status of the bank's international trade financing business. Ningbo Agricultural Bank of China's international trade finance business data from 2007-2013 were compared longitudinally. At the same time, in order to find out the deficiency of Ningbo Agricultural Bank in this business, it has also made a horizontal comparative analysis with the benchmark bank of Ningbo HSBC in the international trade financing business. Therefore, it is known that the international trade financing business of Ningbo Agricultural Bank has maintained a progressive trend in recent years, but there is a huge gap with the Ningbo HSBC Bank. Subsequently, in order to explore the reasons for the backwardness of Ningbo Agricultural Bank's international trade financing business, the purpose of this paper is to bring the innovative ability, service capability, risk control ability of Ningbo Agricultural Bank and Ningbo HSBC's international trade financing business into consideration. This paper makes a comparative analysis of these influencing factors and finds out the difference between Ningbo Agricultural Bank and Ningbo HSBC in these aspects. Finally, based on the conclusions of the previous chapter, the corresponding countermeasures and suggestions are put forward. Including: clear development objectives, through innovative business variety functions and service channels to improve the Ningbo Agricultural Bank's international trade financing business innovation capacity, In order to improve the service capacity of international trade finance business from the point of view of improving service quality and business reasoning efficiency, the purpose of improving risk control ability is to overcome information asymmetry by establishing effective internal information transmission mechanism. From the angle of weakening the concept of hierarchy and strengthening the system of rewards and punishments, this paper optimizes the international trade financing business process of Agricultural Bank of Ningbo and so on.
【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2;F752.6

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本文編號(hào)：2404659