本文選題：出口賣方信貸 + 信貸規(guī)模��； 參考：《廈門大學(xué)》2013年碩士論文

【摘要】：2013年是中國經(jīng)濟(jì)轉(zhuǎn)型的重要一年,世界經(jīng)濟(jì)形勢(shì)的低迷,制造業(yè)成本的上升,金融潛在風(fēng)險(xiǎn)的放大,中小企業(yè)融資的困難,尤其是出口受阻成為了中國經(jīng)濟(jì)下行的主要原因。2013年亦是中國銀行業(yè)動(dòng)蕩的一年,貸款利率下限的放開,“拆借資金違約門”等標(biāo)志著新一輪銀行業(yè)市場(chǎng)化改革已然啟動(dòng)。 中國進(jìn)出口銀行作為政策性銀行,始終服務(wù)于鼓勵(lì)企業(yè)“走出去”的國家戰(zhàn)略,貫徹中央“金融業(yè)服務(wù)實(shí)體經(jīng)濟(jì)”的精神。中國進(jìn)出口銀行福建省分行在歷經(jīng)兩年的快速發(fā)展后,其出口賣方信貸業(yè)務(wù)正面臨著2013年出口企業(yè)經(jīng)營環(huán)境惡化、銀行業(yè)改革深入的考驗(yàn),緣起于對(duì)福建分行出口賣方信貸業(yè)務(wù)的思考,選取這一問題進(jìn)行論述。 論文一共分為五個(gè)部分,第一個(gè)部分為概述,就論文選題相關(guān)的概念和理論基礎(chǔ)等進(jìn)行研究,也是下文研究的基礎(chǔ)；第二個(gè)部分是對(duì)本文的研究對(duì)象福建分行及其出口賣方信貸業(yè)務(wù)目前的現(xiàn)狀進(jìn)行介紹；第三部分為調(diào)研問卷的設(shè)計(jì)及其數(shù)據(jù)分析,為下文問題的發(fā)現(xiàn)和提出的建議提供數(shù)據(jù)支撐；第四部分在第三部分研究的基礎(chǔ)上,得出了目前福建分行出口賣方信貸業(yè)務(wù)擴(kuò)張存在的問題,包括利率市場(chǎng)化,直接融資擴(kuò)張,同業(yè)競(jìng)爭(zhēng)激烈和客戶關(guān)系脫節(jié)產(chǎn)生的影響；第五部分則是針對(duì)第四部分發(fā)現(xiàn)的問題,從調(diào)整信貸結(jié)構(gòu),從單純的融資中介向全面的服務(wù)中介轉(zhuǎn)型,深化同業(yè)合作和改善客戶關(guān)系四個(gè)角度提出相關(guān)的完善建議。 本文的研究旨在促進(jìn)中國進(jìn)出口銀行出口賣方信貸這一傳統(tǒng)的政策性業(yè)務(wù)實(shí)現(xiàn)階段性擴(kuò)張,在增強(qiáng)福建分行核心競(jìng)爭(zhēng)力的同時(shí),亦能有效支持福建地區(qū)企業(yè)的出口業(yè)務(wù),促進(jìn)福建省外向型經(jīng)濟(jì)的發(fā)展。
[Abstract]:The year 2013 is an important year of China's economic transformation, with the downturn in the world economic situation, the rise in manufacturing costs, the amplification of potential financial risks, and the difficulty of financing small and medium-sized enterprises.In particular, export disruptions have been the main cause of China's economic downturn. 2013 was also a tumultuous year for China's banking sector, with the opening of the lower limit on lending rates and the door to default on lending funds, marking the start of a new round of market-oriented banking reforms.As a policy-oriented bank, the Export-Import Bank of China has always served the national strategy of encouraging enterprises to "go out" and carried out the spirit of "financial services to the real economy" of the central government.After two years of rapid development, the export seller's credit business of the China Export-Import Bank Fujian Branch is facing the test of the deterioration of the business environment of the export enterprises in 2013 and the in-depth reform of the banking sector.Based on the consideration of export seller's credit business in Fujian Branch, this paper discusses this problem.The paper is divided into five parts, the first part is an overview, the related concepts and theoretical basis of the thesis are studied, which is also the basis of the following research;The second part introduces the current situation of Fujian Branch and its export seller's credit business. The third part is the design of the questionnaire and its data analysis.In the fourth part, on the basis of the research in the third part, the problems existing in the expansion of export seller's credit business in Fujian Branch, including the marketization of interest rate, direct financing expansion, are obtained.The fifth part aims at the problems found in the fourth part, from adjusting the credit structure, from the simple financing intermediary to the comprehensive service intermediary.Further cooperation and improve customer relations from four angles to put forward relevant suggestions.The purpose of this paper is to promote the export seller's credit of Export-Import Bank of China, which is a traditional policy business, to expand in stages, and to strengthen the core competitiveness of Fujian Branch, and to effectively support the export business of enterprises in Fujian.To promote the development of Fujian's export-oriented economy.
【學(xué)位授予單位】：廈門大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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本文編號(hào)：1758883