中國(guó)工商銀行國(guó)際化經(jīng)營(yíng)策略研究
發(fā)布時(shí)間：2018-09-08 11:28
【摘要】：自20世紀(jì)80年代開(kāi)始,國(guó)際經(jīng)濟(jì)金融格局發(fā)生了重大變化,而且這種變化一直延續(xù)并深刻影響了中國(guó)金融業(yè)的發(fā)展進(jìn)程。特別是2008年國(guó)際金融危機(jī)的爆發(fā),歐洲、美國(guó)等發(fā)達(dá)經(jīng)濟(jì)體的金融體系受到了不同程度的沖擊,綜合經(jīng)濟(jì)實(shí)力和國(guó)際地位有所下降,國(guó)際社會(huì)加強(qiáng)金融監(jiān)管和改革國(guó)際金融秩序的呼聲高漲,以銀行業(yè)為主的全球金融行業(yè)面臨新一輪洗牌。中國(guó)銀行業(yè)如何“危中尋機(jī)”,抓住歷史賦予的難得機(jī)遇,跨出國(guó)門,在國(guó)際上建立起具備一定競(jìng)爭(zhēng)力的經(jīng)營(yíng)體系,通過(guò)實(shí)施適合目前經(jīng)營(yíng)實(shí)際的國(guó)際化經(jīng)營(yíng)策略,快速而扎實(shí)地提高國(guó)際競(jìng)爭(zhēng)力和影響力,從而為發(fā)展打開(kāi)國(guó)際空間,是目前中國(guó)商業(yè)銀行,特別是大型商業(yè)銀行需要認(rèn)真研究的課題。 中國(guó)工商銀行成立與1984年,經(jīng)過(guò)近30年的堅(jiān)持發(fā)展,中國(guó)工商銀行已成為全球市值最大、客戶存款第一和盈利最多的上市銀行,2012年排名世界500強(qiáng)企業(yè)第77位,在中資銀行中排名第一。在為境內(nèi)企業(yè)客戶和個(gè)人客戶提供多元和專業(yè)的金融性質(zhì)的服務(wù)同時(shí),工商銀行也隨著我國(guó)企業(yè)國(guó)際化步伐,逐步開(kāi)始了自身的國(guó)際化發(fā)展,這種發(fā)展在2006年股改上市后明顯加快,到2012年末,工商銀行通過(guò)自身機(jī)構(gòu)可在全球33個(gè)國(guó)家開(kāi)展金融服務(wù),境外機(jī)構(gòu)總量已達(dá)到239家,境外業(yè)務(wù)已逐步成為工商銀行重要的利潤(rùn)來(lái)源和未來(lái)的發(fā)展方向。 本文以中國(guó)工商銀行為實(shí)例,分為六部分進(jìn)行研究闡述。第一部分導(dǎo)論,主要研究背景及意義、相關(guān)理論綜述、論文思路和框架及研究方法與創(chuàng)新之處；第二部分介紹銀行國(guó)際化經(jīng)營(yíng)理論,主要從銀行國(guó)際化涵義、銀行國(guó)際化的動(dòng)因理論、經(jīng)驗(yàn)曲線與產(chǎn)品組合理論、國(guó)際化經(jīng)營(yíng)理論及商業(yè)銀行國(guó)際化經(jīng)營(yíng)概述五個(gè)方面展開(kāi)；第三部分重點(diǎn)介紹中國(guó)工商銀行國(guó)際化經(jīng)營(yíng)現(xiàn)狀,對(duì)其進(jìn)行簡(jiǎn)介,同時(shí)運(yùn)用SWOT工具進(jìn)行定位,分析當(dāng)前中國(guó)工商銀行國(guó)際化經(jīng)營(yíng)現(xiàn)狀及存在的問(wèn)題；第四部分以匯豐和花旗銀行為例展開(kāi)探討,通過(guò)類比介紹外資商業(yè)銀行國(guó)際化經(jīng)營(yíng)成功經(jīng)驗(yàn)借鑒；第五部分主要提出加快中國(guó)工商銀行國(guó)際化經(jīng)營(yíng)的發(fā)展對(duì)策；第六部分進(jìn)行總結(jié)和歸納。 本文選取工商銀行國(guó)際化經(jīng)營(yíng)策略為研究對(duì)象,通過(guò)理論結(jié)合實(shí)際的探討,以期為中國(guó)工商銀行國(guó)際化發(fā)展尋找切合其發(fā)展要求的經(jīng)營(yíng)策略,幫助中國(guó)工商銀行在未來(lái)的國(guó)際化發(fā)展中走的更為順暢。同時(shí)希望以此為借鑒,能夠?yàn)槲覈?guó)銀行業(yè)的國(guó)際化發(fā)展提供一定的參考。
[Abstract]:Since 1980s, great changes have taken place in the international economic and financial structure, and this kind of change has continued and deeply affected the development process of China's financial industry. In particular, with the outbreak of the international financial crisis in 2008, the financial systems of developed economies such as Europe and the United States have been affected to varying degrees, and their comprehensive economic strength and international status have declined. The calls of the international community to strengthen financial supervision and reform the international financial order are rising, and the global financial industry, which is dominated by the banking industry, is facing a new round of reshuffle. How to "seek opportunities in times of danger", seize the rare opportunities given by history, step out of the country, set up a competitive management system in the international community, and implement an international management strategy suitable for the actual operation at present. To improve the international competitiveness and influence rapidly and solidly, thus opening up the international space for development, is a subject that Chinese commercial banks, especially large commercial banks, need to study seriously at present. The Industrial and Commercial Bank of China (ICBC) was founded in 1984. After nearly 30 years of persistent development, ICBC has become the largest listed bank in the world with the largest market value, the highest customer deposits and the highest profit. In 2012, ICBC ranked 77th among the top 500 companies in the world. Ranked first among Chinese banks. While providing diversified and professional financial services to domestic enterprise customers and individual customers, ICBC has gradually begun its own internationalization development with the internationalization of Chinese enterprises. By the end of 2012, ICBC, through its own institutions, could provide financial services in 33 countries around the world, bringing the total number of overseas institutions to 239. Overseas business has gradually become an important profit source and future development direction of ICBC. This article takes the Industrial and Commercial Bank of China as an example, divides into six parts to carry on the research elaboration. The first part is introduction, the main research background and significance, the related theory summary, the thesis thought and the frame, the research method and the innovation; the second part introduces the bank internationalization management theory, mainly from the bank internationalization meaning, The motivation theory of bank internationalization, the theory of experience curve and product combination, the theory of international operation and the summary of international operation of commercial bank are carried out. The third part mainly introduces the current situation of international operation of ICBC. At the same time, using SWOT tools to analyze the current situation of ICBC's international operation and the existing problems. The fourth part takes HSBC and Citibank as an example to discuss. This paper introduces the successful experiences of foreign commercial banks by analogy; the fifth part mainly puts forward the countermeasures to accelerate the internationalization of ICBC; the sixth part summarizes and summarizes. In this paper, ICBC's international management strategy is chosen as the research object, and through the combination of theory and practice, the author hopes to find out suitable management strategy for ICBC's internationalization development. Help ICBC to move more smoothly in its future international development. At the same time, I hope this can provide some reference for the international development of China's banking industry.
【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】：2013
【分類號(hào)】：F272.3;F832.33
本文編號(hào)：2230383
[Abstract]:Since 1980s, great changes have taken place in the international economic and financial structure, and this kind of change has continued and deeply affected the development process of China's financial industry. In particular, with the outbreak of the international financial crisis in 2008, the financial systems of developed economies such as Europe and the United States have been affected to varying degrees, and their comprehensive economic strength and international status have declined. The calls of the international community to strengthen financial supervision and reform the international financial order are rising, and the global financial industry, which is dominated by the banking industry, is facing a new round of reshuffle. How to "seek opportunities in times of danger", seize the rare opportunities given by history, step out of the country, set up a competitive management system in the international community, and implement an international management strategy suitable for the actual operation at present. To improve the international competitiveness and influence rapidly and solidly, thus opening up the international space for development, is a subject that Chinese commercial banks, especially large commercial banks, need to study seriously at present. The Industrial and Commercial Bank of China (ICBC) was founded in 1984. After nearly 30 years of persistent development, ICBC has become the largest listed bank in the world with the largest market value, the highest customer deposits and the highest profit. In 2012, ICBC ranked 77th among the top 500 companies in the world. Ranked first among Chinese banks. While providing diversified and professional financial services to domestic enterprise customers and individual customers, ICBC has gradually begun its own internationalization development with the internationalization of Chinese enterprises. By the end of 2012, ICBC, through its own institutions, could provide financial services in 33 countries around the world, bringing the total number of overseas institutions to 239. Overseas business has gradually become an important profit source and future development direction of ICBC. This article takes the Industrial and Commercial Bank of China as an example, divides into six parts to carry on the research elaboration. The first part is introduction, the main research background and significance, the related theory summary, the thesis thought and the frame, the research method and the innovation; the second part introduces the bank internationalization management theory, mainly from the bank internationalization meaning, The motivation theory of bank internationalization, the theory of experience curve and product combination, the theory of international operation and the summary of international operation of commercial bank are carried out. The third part mainly introduces the current situation of international operation of ICBC. At the same time, using SWOT tools to analyze the current situation of ICBC's international operation and the existing problems. The fourth part takes HSBC and Citibank as an example to discuss. This paper introduces the successful experiences of foreign commercial banks by analogy; the fifth part mainly puts forward the countermeasures to accelerate the internationalization of ICBC; the sixth part summarizes and summarizes. In this paper, ICBC's international management strategy is chosen as the research object, and through the combination of theory and practice, the author hopes to find out suitable management strategy for ICBC's internationalization development. Help ICBC to move more smoothly in its future international development. At the same time, I hope this can provide some reference for the international development of China's banking industry.
【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】：2013
【分類號(hào)】：F272.3;F832.33
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，本文編號(hào)：2230383
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