商业银行国际化程度影响因素的实证研究

发布时间：2018-05-04 10:57

本文选题：国际化发展 + 国际化影响因素　；参考：《吉林大学》2017年硕士论文

【摘要】：随着市场经济与信息技术的快速发展,全球经济一体化的进度不断增强,不同国家与地区之间的贸易往来日趋增加,与之相关产生了大量的结算、融资等金融需求,尤其是金融危机以来我国金融业遇到良好的发展机遇,大中型商业银行逐渐走出国门。同时,自中国加入WTO之后,国内金融业呈现的开放程度日趋提高,国内银行业的竞争逐渐激烈,我国商业银行走出国门也是现阶段金融业对外开放的必然趋势。最后,2009年金融危机之后全球金融格局与国际监管环境均发生了显著的变化,各大洲的国家与地区纷纷打破之前的金融限制壁垒,外资银行的准入门槛进一步降低,这些都为我国商业银行的国际化发展营造了良好的氛围。总之,我国商业银行的国际化发展不仅为蓬勃发展的国际贸易提供金融服务,还能够满足我国银行业的自身需求,我国商业银行有必要抓住这次机遇,寻找适合自身特点的国际化发展路径,以促进我国银行业的可持续发展。但是,从目前实际情况来看,我国商业银行的国际化程度依然较低,核心业务难以突出,与其整体战略规划相比的差距较大,不利于我国商业银行更好地参与到国际竞争中。因此,本文通过分析理论资料,提出商业银行国际化程度的可能影响因素,并提供实证进行证明,提出可以提升中国商业银行国际化程度与国际化竞争力的措施与建议,为我国商业银行更好地参与到全球金融市场保驾护航。本文研究内容主要包括四个章节,按照理论结合实际的研究方法,基于商业银行国际化发展相关理论,对具体案例的国际化发展进程与途径展开分析。具体如下:第1章是绪论,主要对本文的研究背景、意义和目的展开阐述,并对现阶段的研究成果进行整理,汇总出适用于本文主题的理论性资料。第2章是商业银行国际化相关理论。首先,对商业银行国际化相关概念进行阐述;其次,对国际化路径的主要形式进行简要介绍;最后,对本文涉及到的理论知识进行整理与汇总。第3章是商业银行国际化经营动因分析。先以中国工商银行为例,对我国商业银行国际化程度进行描述。主要是基于全球商业银行国际化发展过程,对目前商业银行国际化发展的特点进行综合性的阐述;然后,基于折衷理论对商业银行国际化经营动因进行假设分析,以5家国内银行和5家外资银行作为样本对象,得出商业银行的国际化发展与路径选择,受到东道国政策、工业化程度以及银行自身经验的影响程度最显著。第4章是相关对策与建议。针对上文分析的结果,对中国工商银行和我国其他商业银行的国际化发展提出优化建议,以进一步提升我国商业银行的国际化发展程度。
[Abstract]:With the rapid development of market economy and information technology, the progress of global economic integration is increasing, the trade between different countries and regions is increasing day by day, and a large number of financial needs, such as settlement, financing and so on, have arisen. Especially since the financial crisis, China's financial industry has encountered good development opportunities, large and medium-sized commercial banks are gradually out of the country. At the same time, since China's entry into WTO, the opening degree of the domestic financial industry is increasing day by day, the competition of the domestic banking industry is gradually fierce, and it is an inevitable trend for the Chinese commercial banks to go out of the country and open to the outside world at the present stage. Finally, after the financial crisis of 2009, the global financial structure and the international regulatory environment have undergone significant changes. Countries and regions on all continents have broken down the barriers to financial restrictions before, and the entry barriers for foreign banks have been further lowered. All these have created a good atmosphere for the international development of Chinese commercial banks. In short, the internationalization development of Chinese commercial banks not only provides financial services for the booming international trade, but also can meet the needs of our banking industry. It is necessary for our commercial banks to seize this opportunity. In order to promote the sustainable development of China's banking industry, we should look for an international development path suitable for our own characteristics. However, judging from the actual situation, the degree of internationalization of Chinese commercial banks is still relatively low, the core business is difficult to stand out, compared with its overall strategic planning, the gap is large, which is not conducive to our commercial banks participating in the international competition better. Therefore, through the analysis of theoretical data, this paper puts forward the possible factors affecting the degree of internationalization of commercial banks, and provides empirical proof, and puts forward some measures and suggestions that can enhance the degree of internationalization and international competitiveness of Chinese commercial banks. For our commercial banks to better participate in the global financial market escort. This paper mainly includes four chapters, according to the theory combined with the actual research methods, based on the commercial bank internationalization development theory, the specific case of internationalization development process and approach are analyzed. The main contents are as follows: the first chapter is the introduction, mainly to the research background, significance and purpose of this paper, and the current research results are sorted out to summarize the theoretical data applicable to the subject of this paper. Chapter 2 is the theory of internationalization of commercial banks. Firstly, the related concepts of internationalization of commercial banks are expounded; secondly, the main forms of internationalization path are briefly introduced; finally, the theoretical knowledge involved in this paper is sorted and summarized. Chapter 3 is an analysis of the reasons for the internationalization of commercial banks. Taking ICBC as an example, this paper describes the degree of internationalization of commercial banks in China. Mainly based on the global commercial bank internationalization development process, the characteristics of the current commercial bank internationalization development are comprehensively expounded; then, based on the compromise theory, the commercial bank internationalization operation motivation is analyzed hypothetically. Taking 5 domestic banks and 5 foreign banks as samples, it is concluded that the internationalization development and path choice of commercial banks are most significantly influenced by the host country policy, the degree of industrialization and the experience of the banks themselves. Chapter 4 is related countermeasure and suggestion. Based on the above analysis, the author puts forward some suggestions on the internationalization development of ICBC and other commercial banks in China in order to further enhance the internationalization development of commercial banks in China.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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