交通银行国际化发展研究

上海交通大学硕士学位论文交通银行国际化发展研究姓名：马致远申请学位级别：硕士专业：工商管理指导教师：傅亚平20080113IVWTOVTHESTUDYOFINTERNATIONALIAZATIONDEVELOPMENTOFBANKOFCOMMUNICATIONSABSTRACTBank'sinternationalizationisanultimatetrendinthedevelopmentofbankingindustryoverthecurrentworld.AsChinahasenteredWTO,state-ownedcommercialbanks,whichaccountforanabsoluteproportioninourfinancialindustry,areboundtobeconfrontedwiththenewsituationinwhichanintegrationofinternationalfinancialmarketsisformingandexecutebusinessinternationally.Firstly,basedontraditionalderivativetheoriesofcommercialbanksinternationalizationdevelopment,thepaperintroducestheinternationaldevelopmenthistoryofoverseasbanks'internationalizationandtheactualityofourcountry'sstate-ownedbanks.VISecondly,combinedwiththecurrentsituationofinternationalanddomesticeconomyandfinance,thepaperindicatesthesignificantmeaningofinternationalizationofdomesticcommercialbank.Then,thepaperputsforwardtomakeanempiricalresearchontheinternationalizationdevelopmentofBankofCommunications(hereafterreferredasBocom),byreviewingthecourseofBocom'sinternationaldevelopment,adoptingtheantithesesonBocomandotherstate-ownedcommercialbanks,thepapertalliesuptheexistingproblemencounteredbythebankinthebeginningpracticeofinternationalizationandanalysesreasonforit.Atlast,inordertohelpthebanktosolvetheproblem,thepapergivessomewayofthinkingandsoundadviceonthedevelopingstrategy,directions,expansionmodes,organization,businesschoice,talentedpersonstrategyandsystemsupportingetc..KEYWORDS:commercialbanksinternationalizationdevelopmentBankofCommunications(Bocom)II2007121III;20071212007126MBA1WTO198620042005WTOMBA2MBA311.11.1.11983c10defgMBA41.1.2cdef1.1.31“”2cdMBA53“”——41.1.4I·H·Giddy199619971.2MBA61“”2“”3“”40%50%cdefgMBA71.31.3.12020120021550%112002——2003284.41%35.00%79.62%65.69%66.44%63.48%65.17%69.64%56.07%83.50%MBA8200025024100850041000320003200151252003104702004158020048104CharterOneFinancial451.3.220502060MBA9409550124262070801973652080LPO1981121986200041993200026400067053619807891.3.32070208090MBA1019863.7707090109119843411199321810590“”200513.2%6%MBA1122.12.1.1200020052.716.5%6.9%20042005IMF0.22%0.30.32007IMFGDP0.311.5%“”MBA122.1.2“”2.22.2.120061760423.8%20012002-200621.8%37.1%35.7%23.2%23.8%520%200220042002200320042006MBA13177575574.0%“”GDP82.2.220062006906.30.85%4.4%23.4%“”“”c2004200696%2006211.673%20032.7d200682.539%MBA147012.5“”e109.9%17.2%21%2.31WTOWTO2“”“”MBA15——“”“”“”“”“”“”“”“”34MBA165“”“”2.412766232830%100MBA17(RBS)20069.65100%219931120105015020007“”200172003124262006Halim90%2007846.8379.9333%20071025366.754.620%3MBA18608335452006897.12006630502260785483222275493951468662()1683231001001512006200690%200779.9%20%16451998193419982001MBA19412005200731243.135%75.11%200720%812200683.42%92.52%80%3MBA20ITMBA2133.1190819341986“”198919911993199419951996199819982000“”“”“”200520061719520.8%2006122.732.7%0.71%13.57%10.83%8.52%68200711MBA221711647147033.2199764.882006145.241.241997408520061.191.910.2%1%193419981989199119931994199519961998200720002007200520072007MBA23419971998199920002001()64.8865.7679.3987.51107.36()40.859.2313.47.414.27ROAA(%)0.14%0.18%0.08%0.14%20022003200420052006()135.08200.58179.93115.56*145.24*()50.1355.454.6279.46119.03ROAA(%)0.41%0.33%0.29%0.53%0.91%14565119410.91%0.14%050100150200250199719981999200020012002200320042005200600.0020.0040.0060.0080.01ROAA12006145.246.8%4.8%2.29%70.6698.070.82%5.41%1%1.01(15.26%)8.1557%6.44%5.99%46.87%MBA2452006/1,14415,9356.8%91784.8%5518,5526.44%76512,7645.99%%0.8%1.1%%1.0%2.1%%15%6%101925%(7432231%1394608652%3.32006“”4744c59dMBA25145e7%f20061.199.51.63g6620066*9.19%6.93%15.12%100%7.1%1.21%1.92%22.2%*5.7%2.37%12.97%100%8.17%0.82%2.47%50.1%200620057(2006)%(%)64316542416309828539.5151015021.633640.170.10.1326105914571.19620062005*(100%)22006630MBA263200663020063.43.4.1MBA273.4.214027005026003.4.3cMBA28590%d“”ef3.4.4MBA293.53.5.123“”WTO3.5.2WTOMBA303.5.3“”ITMBA313.5.4438%88.6%69%3.5.52006IBSIBSIBSMBA32IBSIBSMBA3344.11234“”MBA344.2“”“”“”1“”2“”()MBA354.312001000682005100030660.3%16.2%6.9%6.7%6.3%3.6%200582006/272315.50%25.30%1819.818.80%26.60%2626.814.90%24.20%2034.721%24.90%2073.611.80%12.50%916.49.50%9.10%1661.79.40%21.60%1553.916%24.80%1608.49.10%23.40%713.17.40%28.80%MBA361343.17.60%20%445.34.60%26.80%1078.46.10%18.20%207.42.10%25.30%333.91.90%14.70%158.31.60%19.80%329.51.90%20.90%136.31.40%-248.61.40%32.90%145.81.50%63.20%1402779.60%-813183.90%-234“”24MBA374.44.4.14.4.2MBA384.4.399MBA391“”234MBA404.5123“”4MBA414.612344.7“MBA42”1,2“”34.8IBSMBA434.9MBA445200732000318657623“”5.111959MercantileBank1965219921980MarineMidlandBankNA19811986198714.9%1991199233MBA451992Trinkaus&BurkhardtKgaABankGuyerzellerAG1999RepublicNewYorkCorporation200031997BancoBamerindusdoBrasilS.A.BancoRobertsS.A.2002420018%10%200419.9%5.21“”“”“”199819985%6%50%40%9819982944%2MBA46198714.9%1992719921991330019901.7781%1992199219997—70%19941998292480924832735035070280MBA475.3MBA48[1]ViatcheslavV.Chiline,ModernTrendinGlobalBankingDevelopment,[Dissertation],2002[2]WTO20049[3][]2005[4][]2006[5]20062201[6]