本文選題：國(guó)家開(kāi)發(fā)銀行寧夏分行　切入點(diǎn)：外匯貸款業(yè)務(wù)　出處：《寧夏大學(xué)》2014年碩士論文

【摘要】：外匯貸款是銀行以外幣為計(jì)算單位向企業(yè)發(fā)放的貸款。外匯貸款業(yè)務(wù)開(kāi)展之初將外匯貸款分為廣義和狹義,狹義的外匯貸款,僅指我國(guó)銀行運(yùn)用從境內(nèi)企業(yè)、個(gè)人吸收的外匯資金,放貸于境內(nèi)企業(yè)的貸款；廣義的外匯貸款,還包括國(guó)際融資轉(zhuǎn)貸款,即包括我國(guó)從國(guó)外借人,通過(guò)國(guó)內(nèi)外匯指定銀行轉(zhuǎn)貸于境內(nèi)企業(yè)的貸款。而在中國(guó)經(jīng)濟(jì)不斷全球化的今天,尤其是中資銀行不斷走出去的今天,外匯貸款業(yè)務(wù)廣義和狹義之分逐漸有了新的意義。狹義的外匯貸款指銀行運(yùn)用境內(nèi)境外的外匯資金放貸與境內(nèi)的企業(yè)；廣義的外匯貸款還包括境內(nèi)銀行將外匯資金發(fā)放給境外的借款人。本文的外匯貸款指廣義的外匯貸款。 本文旨在通過(guò)對(duì)國(guó)家開(kāi)發(fā)銀行寧夏分行外匯業(yè)務(wù)所處的外部環(huán)境、內(nèi)部環(huán)境的分析,研究潛在競(jìng)爭(zhēng)者、替代者等,結(jié)合銀行競(jìng)爭(zhēng)力理論,總結(jié)國(guó)開(kāi)行寧夏分行的外匯業(yè)務(wù)競(jìng)爭(zhēng)的優(yōu)勢(shì)和劣勢(shì)提出提升外匯業(yè)務(wù)競(jìng)爭(zhēng)力,加快外匯貸款業(yè)務(wù)發(fā)展的對(duì)策,提升寧夏分行外匯貸款業(yè)務(wù)競(jìng)爭(zhēng)力,擴(kuò)大市場(chǎng)份額,做強(qiáng)外匯業(yè)務(wù)品牌。 研究中基于商業(yè)銀行競(jìng)爭(zhēng)理論,采用了PEST模型分析方法和SWOT分析法,對(duì)國(guó)家開(kāi)發(fā)銀行寧夏分行外匯貸款業(yè)務(wù)發(fā)展環(huán)境從宏觀環(huán)境、行業(yè)環(huán)境和內(nèi)部環(huán)境三個(gè)方面進(jìn)行了分析。從國(guó)家開(kāi)發(fā)銀行寧夏分行外匯貸款業(yè)務(wù)的發(fā)展現(xiàn)狀得出目前外匯貸款業(yè)務(wù)發(fā)展存在的劣勢(shì)有以下幾個(gè)方面：資金成本較高、從業(yè)經(jīng)驗(yàn)不足、運(yùn)作模式簡(jiǎn)單。 在此基礎(chǔ)之上,本文提出了提升寧夏分行發(fā)展外匯貸款業(yè)務(wù)競(jìng)爭(zhēng)力的建議：完善各類(lèi)機(jī)制建設(shè),發(fā)展保障體系；加強(qiáng)客戶服務(wù),提升客戶價(jià)值；鼓勵(lì)后續(xù)教育,提升人員素質(zhì)等提升外匯貸款業(yè)務(wù)競(jìng)爭(zhēng)力的對(duì)策。
[Abstract]:Foreign exchange loans are loans issued by banks to enterprises in foreign currency units. At the beginning of the foreign exchange loan business, foreign exchange loans were divided into broad and narrow sense. Foreign exchange loans in narrow sense only refer to the use of foreign exchange loans by Chinese banks from domestic enterprises. Foreign exchange funds absorbed by individuals are lent to domestic enterprises; foreign exchange loans in the broad sense also include international financing and conversion loans, that is, foreign exchange loans from foreign countries, Through domestic foreign exchange designated banks to transfer loans to domestic enterprises. Today, when China's economy is constantly globalizing, especially when Chinese banks continue to go out, The broad sense and narrow sense of foreign exchange loan business gradually take on new significance. Foreign exchange loans in the broad sense also include the issuance of foreign exchange funds by domestic banks to foreign borrowers. In this paper, foreign exchange loans refer to foreign exchange loans in a broad sense. The purpose of this paper is to analyze the external environment and internal environment of the foreign exchange business of China Development Bank Ningxia Branch, to study potential competitors and substitutes, and to combine the theory of bank competitiveness. Summing up the advantages and disadvantages of the foreign exchange business competition of Ningxia Branch of CDB, the paper puts forward some countermeasures to enhance the competitiveness of foreign exchange business, speed up the development of foreign exchange loan business, enhance the competitiveness of foreign exchange loan business of Ningxia Branch, and expand the market share. Strengthen the foreign exchange business brand. Based on the competition theory of commercial banks, PEST model analysis method and SWOT analysis method are used to analyze the development environment of foreign exchange loan business in Ningxia Branch of China Development Bank from the macro environment. Three aspects of industry environment and internal environment are analyzed. From the current situation of foreign exchange loan business of China Development Bank Ningxia Branch, the disadvantages of the development of foreign exchange loan business are as follows: high capital cost, Lack of experience and simple operation mode. On this basis, this paper puts forward some suggestions to enhance the competitiveness of Ningxia Branch in the development of foreign exchange loan business: to improve the construction of various mechanisms, to develop the security system, to strengthen customer service, to enhance customer value, to encourage further education. Improve the quality of personnel and other measures to enhance the competitiveness of foreign exchange loans.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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