發(fā)布時間：2018-03-29 03:09

  本文選題：國家開發(fā)銀行寧夏分行　切入點：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算單位向企業(yè)發(fā)放的貸款。外匯貸款業(yè)務(wù)開展之初將外匯貸款分為廣義和狹義,狹義的外匯貸款,僅指我國銀行運用從境內(nèi)企業(yè)、個人吸收的外匯資金,放貸于境內(nèi)企業(yè)的貸款；廣義的外匯貸款,還包括國際融資轉(zhuǎn)貸款,即包括我國從國外借人,通過國內(nèi)外匯指定銀行轉(zhuǎn)貸于境內(nèi)企業(yè)的貸款。而在中國經(jīng)濟不斷全球化的今天,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。 本文旨在通過對國家開發(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,研究潛在競爭者、替代者等,結(jié)合銀行競爭力理論,總結(jié)國開行寧夏分行的外匯業(yè)務(wù)競爭的優(yōu)勢和劣勢提出提升外匯業(yè)務(wù)競爭力,加快外匯貸款業(yè)務(wù)發(fā)展的對策,提升寧夏分行外匯貸款業(yè)務(wù)競爭力,擴大市場份額,做強外匯業(yè)務(wù)品牌。 研究中基于商業(yè)銀行競爭理論,采用了PEST模型分析方法和SWOT分析法,對國家開發(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)境三個方面進行了分析。從國家開發(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)展存在的劣勢有以下幾個方面：資金成本較高、從業(yè)經(jīng)驗不足、運作模式簡單。 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)競爭力的建議：完善各類機制建設(shè),發(fā)展保障體系；加強客戶服務(wù),提升客戶價值；鼓勵后續(xù)教育,提升人員素質(zhì)等提升外匯貸款業(yè)務(wù)競爭力的對策。
[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)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

【參考文獻】

相關(guān)期刊論文 前7條

1 段全虎,崔俊;關(guān)于提高我國商業(yè)銀行競爭力的分析[J];滄桑;2005年Z1期

2 高潮;;淺析國際保理業(yè)務(wù)在我國的發(fā)展[J];財經(jīng)界(學(xué)術(shù)版);2011年08期

3 張鵬;中國銀行競爭力分析[J];財經(jīng)研究;1999年02期

4 唐濤;;我國銀行業(yè)如何應(yīng)對國際貿(mào)易結(jié)算方式多元化[J];改革與戰(zhàn)略;2009年04期

5 阮宇哲;黃南;;保健品行業(yè)PEST分析及其發(fā)展思路[J];柳州職業(yè)技術(shù)學(xué)院學(xué)報;2008年01期

6 李承君;李建水;;實施捆綁式營銷 促進結(jié)算業(yè)務(wù)發(fā)展[J];國際金融;2002年05期

7 周江銀;;影響人民幣匯率走勢的內(nèi)外部因素分析[J];上海金融;2009年02期

，

本文編號：1679274