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宁波农行拓展国际贸易融资业务的对策研究

发布时间:2019-01-08 13:27
【摘要】:国际贸易融资业务是一项为企业的进出口贸易提供融资服务的业务,无论对于银行还是对于企业均起着积极的作用。尤其对于银行而言,集中间业务与资产业务于一身,使得它不仅可以为银行带来丰厚的中间业务收益,还可以优化银行的信贷结构。作为港口城市的宁波,发达的进出口贸易为银行开展国际贸易融资业务提供了旺盛的需求。但宁波农行的国际贸易融资业务与所处的区位不相适应,因此研究宁波农行如何拓展国际贸易融资业务显得十分必要。本文选取宁波农行作为研究对象,在参考国内外文献的基础上,从银行国际贸易融资业务的影响因素的角度归纳总结了国内外经济环境、银行国际贸易融资业务创新能力、银行国际贸易融资业务流程、银行国际贸易融资风险控制能力方面的文献。在此基础上,为了了解宁波农行国际贸易融资业务近年来的变化趋势,围绕国际贸易融资规模和国际贸易融资结构这两大体现银行国际贸易融资业务经营状况的因素,将宁波农行2007-2013年近七年的国际贸易融资业务经营数据进行了纵向比较。同时,为了真正找到宁波农行在该业务上存在的不足,还将其与国际贸易融资业务中的标杆同业—宁波汇丰银行做了横向比较分析,从而得知了宁波农行的国际贸易融资业务虽然近几年保持了进步的趋势,但与宁波汇丰银行存在着巨大的差距。随后以挖掘宁波农行国际贸易融资业务落后的原因为目的将宁波农行与宁波汇丰银行的国际贸易融资业务创新能力、服务能力、风险控制能力、业务流程这几大影响因素进行了比较分析,从中找出了宁波农行在这几方面与宁波汇丰银行的差别所在。最后,基于前一章得出的结论提出相应的对策建议。包括:明确发展目标、通过创新业务品种的功能和服务渠道来提高宁波农行的国际贸易融资业务创新能力,从提高服务质量和业务授理效率的角度来提高国际贸易融资业务服务能力,通过建立有效的内部信息传递机制来克服信息不对称从而达到提高风险控制能力的目的,从削弱层级观念、强化奖惩制度的角度出发来优化宁波农行的国际贸易融资业务流程等。
[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.
【学位授予单位】:宁波大学
【学位级别】:硕士
【学位授予年份】:2015
【分类号】:F832.2;F752.6

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