發(fā)布時間：2018-07-10 10:59

  本文選題：國際結(jié)算 + 電子化產(chǎn)品��； 參考：《山東財經(jīng)大學》2015年碩士論文

【摘要】：全球經(jīng)濟的迅速發(fā)展和電子信息技術(shù)的突飛猛進,對國際結(jié)算提出了越來越高的要求,不僅要求銀行提供如匯款、托收、信用證和保函等傳統(tǒng)結(jié)算工具,而且需要銀行提供更加便捷、高效、安全的支付方式。不斷改變業(yè)務操作模式,使之與經(jīng)濟金融全球化接軌;改變業(yè)務開展模式,以順應信息技術(shù)發(fā)展,這也是商業(yè)銀行國際結(jié)算業(yè)務乃至對商業(yè)銀行整個經(jīng)營模式提出的持續(xù)性的要求�；ヂ�(lián)網(wǎng)金融的出現(xiàn),為銀行國際業(yè)務創(chuàng)新產(chǎn)品、增強競爭優(yōu)勢提供了機遇。讓更多參與方在線辦理國際貿(mào)易,通過網(wǎng)絡(luò)傳輸替代傳統(tǒng)紙質(zhì)交單方式,提高物流、單據(jù)流、資金流的周轉(zhuǎn)速度,是互聯(lián)網(wǎng)技術(shù)和銀行國際結(jié)算的最佳結(jié)合點�；ヂ�(lián)網(wǎng)經(jīng)濟環(huán)境下國際業(yè)務創(chuàng)新主要表現(xiàn)在:一是創(chuàng)新企業(yè)和銀行之間的信息傳輸方式。通過銀行的電子銀行技術(shù),實現(xiàn)企業(yè)和銀行之間無紙化傳輸,節(jié)約企業(yè)和銀行成本。二是研發(fā)國際貿(mào)易新的信息傳輸渠道,創(chuàng)新國際結(jié)算方式。通過提高單據(jù)流轉(zhuǎn)速度,加快物流、資金流周轉(zhuǎn)速度。目前,國際和國內(nèi)同業(yè)主流創(chuàng)新模式主要有以下三種:?電子銀行(E-Banking);?電子交單(E-presentation);?貿(mào)易服務工具(TSU)及銀行付款責任(BPO)。本文著重研究分析A銀行山東分行國際結(jié)算業(yè)務電子化創(chuàng)新的宏觀外部環(huán)境和內(nèi)部自身能力,從中看出A銀行山東分行具備創(chuàng)新的土壤和條件,進一步介紹了在互聯(lián)網(wǎng)背景下A銀行山東分行國際結(jié)算創(chuàng)新商業(yè)模式——電子銀行、電子交單和銀行付款責任,在此基礎(chǔ)上分析A銀行山東分行現(xiàn)有國際結(jié)算電子化創(chuàng)新的優(yōu)勢以及存在的問題,針對存在的問題提出有效建議。最后,本文認為應從國家、銀行機構(gòu)、企業(yè)等多層次,構(gòu)建和完善我國國際結(jié)算業(yè)務電子化產(chǎn)品創(chuàng)新活動,這需要一個循序漸進的推動過程。盡早展開相關(guān)法律法規(guī)政策研究工作,將有利于國際結(jié)算電子化創(chuàng)新業(yè)務的開展、改進、普及;銀行機構(gòu)要不斷完善電子銀行國際業(yè)務功能,創(chuàng)新服務手段,擴大電子化手段在國際結(jié)算中所占比重,同時要加強對國際結(jié)算電子創(chuàng)新產(chǎn)品知識的普及,幫助企業(yè)盡快熟悉使用電子交易平臺,促進電子貿(mào)易環(huán)境成熟;企業(yè)要緊跟時代步伐,加強對國際結(jié)算電子創(chuàng)新產(chǎn)品的學習和使用,來降低營運成本,提高工作效率;最后銀行、企業(yè)和第三方電子商務公司應組織國際結(jié)算電子化產(chǎn)品的專業(yè)培訓,培養(yǎng)精干人才;高校開設(shè)對應專業(yè)或在相關(guān)專業(yè)中加入電子化結(jié)算產(chǎn)品的課程,加快對國際業(yè)務相關(guān)專業(yè)人才的培養(yǎng)以適應電子時代發(fā)展的要求。
[Abstract]:With the rapid development of the global economy and the rapid development of electronic information technology, more and more demands have been placed on international settlement, not only for banks to provide traditional settlement tools such as remittances, collections, letters of credit and guarantees. Moreover, banks are required to provide more convenient, efficient and secure payment methods. Constantly changing the mode of business operation to bring it into line with the globalization of economy and finance, changing the mode of business development in order to conform to the development of information technology, This is also the international settlement business of commercial banks and even the whole business model of commercial banks put forward continuous requirements. The emergence of Internet finance provides an opportunity for banks to innovate their international business products and enhance their competitive advantage. The best combination of Internet technology and bank international settlement is to let more participants deal with international trade online, to replace the traditional paper delivery through network transmission, and to improve the turnover speed of logistics, document flow and capital flow. The innovation of international business under the environment of Internet economy is mainly reflected in: first, innovating the information transmission mode between enterprises and banks. Through the electronic banking technology of the bank, the paperless transmission between the enterprise and the bank can be realized, and the cost of the enterprise and the bank can be saved. Second, research and development of new information transmission channels for international trade, innovative international settlement. By improving the speed of document flow, speed up the flow of logistics, capital flow turnover speed. At present, there are three main modes of innovation in the international and domestic industries:? E-Banking? E-presentation? Trade Services instrument (TSU) and Bank liability (BPO). This paper focuses on the macro external environment and internal capability of the electronic innovation of the international settlement business of the Shandong Branch of Bank A, from which we can see that the Shandong Branch of Bank A has the soil and conditions for innovation. It further introduces the innovative business model of International settlement of Bank A Shandong Branch in the context of the Internet-electronic banking, electronic documentary payment and bank payment liability. On this basis, this paper analyzes the advantages and problems of the current electronic international settlement innovation of Bank A Shandong Branch, and puts forward some effective suggestions for the existing problems. Finally, this paper holds that we should construct and perfect the electronic product innovation activities of international settlement business from the state, banking institutions, enterprises and other levels, which needs a gradual and progressive promotion process. The early development of research on relevant laws, regulations and policies will be conducive to the development, improvement and popularization of electronic innovative business in international settlement. Banking institutions should constantly improve the functions of electronic banking international business and innovate service means. To expand the proportion of electronic means in international settlement, at the same time to strengthen the knowledge of international settlement electronic innovative products to help enterprises become familiar with the use of electronic trading platform as soon as possible to promote the maturity of the electronic trading environment; Enterprises should keep pace with the times, strengthen the study and use of innovative electronic products for international settlement, so as to reduce operating costs and improve work efficiency. Finally, banks, Enterprises and third-party e-commerce companies shall organize professional training on electronic products for international settlement and train capable personnel. Speed up the training of international business related professionals to meet the requirements of the development of the electronic age.
【學位授予單位】：山東財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.2

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