【作者】 尚静；

【导师】 曹家和；

【作者基本信息】 河海大学 ， 企业管理， 2001， 硕士

【摘要】 当今金融自由化、一体化、网络化浪潮席卷全球，跨国银行的外部经营环境发生了深刻的变化，西方跨国银行的管理及其业务也经历了种种变化，出现了银行规模集团化、金融创新多元化、营运电子化、网络化的趋势，我国的四大商业银行不可不注意和加入这种趋势与进程，并最终向跨国商业银行发展。另一方面，随着我国金融业的进一步开放，在国内，四大商业银行不仅面临着国内新的股份制商业银行和非银行金融机构的竞争，还面临着外资银行的竞争，其利润空间越来越小。因此，无论从国内环境还是国际环境来看，我国的四大银行都必须大胆走出国门，加快向外拓展。 由于体制、资源等方面限制，存在着资本充足率低、金融技术水平不高等问题。虽然这些问题制约着我国跨国银行的进一步发展，但不能因此而裹足不前，放慢我国商业银行跨国经营的步伐。因为当今的世界是一个开放的、竞争的世界，我国的商业银行已经没有足够的时间来先安排市场化，而后进行跨国经营，必须将改革和发展并举，推动我国商业银行的跨国经营。 国际上对于跨国银行是跨国企业的一种特殊形式这一论点没有什么争议，因此，论文中对跨国银行的研究多借鉴于跨国企业的经营发展。本论文便是从上述立场出发，在分析四大商业银行发展跨国银行的现状、问题和实力的基础上，探讨了我国跨国银行的发展战略——在全球化经营战略下加速重点市场的开拓：在组织机构的选择上要因行而异；在业务方面，各行必须明确和利用本身的竞争优势，以客户为中心，使用各种创新工具和管理方法以提高银行的营运效率；由于金融的全球化、自由化使跨国银行的发展面临着更大的风险，我国的商业银行在跨国经营中要首先分析交易方所在国的银行制度和货币金融政策，采取多种贷款方式降低国家风险，利用各种金融工具消除或减少货币风险。论文还对发展我国跨国银行的具体途径问题进行了研究，提出了组建银行集团或与跨国企业联盟、建立跨国联盟、跨国并购以及发展银行网络业务等四种途径。 另外，由于理论界有种观点，认为可以把发展我国的离岸金融市场作为发展我国跨国银行的一条途径，对此，作者持有不同的看法。因此，在附里对这个问题进行了探讨。更多还原

【Abstract】 With the liberalization and global of finance, multinational hanks in the-west countries have clumped a lot in their management and operation. Our china four commercial hanks have to change with them and develop to multinational banks. On the other hand, there arc less and less profits can he made in financial market. So, the Four hanks must go abroad, developing the in international operations.Now, the lower capital sufficient rate and the backward financial technical have restricted the development of our multinational banks. But we cannot slow down our developing step, for it is a open world full of competition, and we have not enough time to solve this problem first. On the contrary, we should reform the four banks and develop our multinational banks at the same time.For there is no dispute on the opinion that multinational bank is a special kind of multinational corporation, the study in the thesis use the theory of multinational corporation as reference. In this opinion, the author analysis the current station and problems firstly. On the basis of those, the thesis make a thoroughly study on how to develop our multinational banks. That is to say, speed up the important market, choose different organization mechanism for different bank, on the hand of operation, each bank should use its competition superiority, take the customer as the core and get use of all kinds new financial tools. Because there are more and more risks with the liberalization, our multinational banks should use kinds of financial tools to get rid of or cut down the risks. In this thesis ways to develop our multinational banks are also talked about. Four ways are given, which are setting up banking groups or alliance with our multinational enterprise, merging and acquisition foreign banks abroad, and developing Internet banks.Moreover, it is held that developing our offshore financial market is a good way to develop our multinational banks. The author disagrees with it. So, it is discussed in the end of the thesis.更多还原