摘 要

商业银行的海外投资一直是其在全球范围内寻求扩张的主要途径之一，特别是在我国将金融业日渐开放以来，我国越来越多的银行选择在海外新建支行或者并购当地银行来达到扩张的目的。而“一带一路”国家战略的实行，使得其沿线国家对金融服务的需求越来越强烈，这给我国商业银行“走出去”带来了前所未有的机遇。但是在机遇之下，我国银行借力“一带一路”战略“走出去”的过程也充斥着更多的风险。国家风险、市场风险、信用风险等给银行带来了巨大的挑战。认识这些风险并进行有效的风险管理，通过分析在实例中所运用的风险管理手段的效果，对风险管理措施进行优化，切实提高银行对外投资的风险管理水平，才能够助力我国银行服务于“一带一路”国家战略。

本文首先在分析我国银行对外投资的现状的基础上，揭示了我国银行在“一带一路”战略的特定投资背景下所面临的投资风险。随后对中国建设银行并购印尼windu银行的案例进行了深入分析，指出印尼虽然是我国在“一带一路”沿线的重要合作国家以及一个具有较大的投资吸引力的新兴市场，但是由于其国内的各种因素，我国银行在该国的投资也面临着一系列风险。本文概述了上述风险并总结了建设银行在对外投资过程中的风险管理行为以及风险管理经验，在最后一章给出了相关的风险管理优化建议。

关键词：“一带一路”战略；商业银行；对外投资风险；风险管理优化

Abstract

The overseas investment of commercial Banks has always been one of the main ways for them to seek for expansion in the global scope. Especially since China is opening up the financial industry, more and more Chinese Banks choose to build branches overseas or acquire local Banks to achieve the purpose of expansion. With the implementation of the national strategy of "one belt and one road", countries along the belt and road have increasingly strong demand for financial services, which brings unprecedented opportunities for Chinese commercial Banks to "go global". However, under the opportunity, the process of Chinese Banks borrowing "One Belt And One Road" strategy to "go out" is also filled with more risks. Country risk, market risk, credit risk and so on has challenged the bank greatly.Only by recognizing such risks and to carry out effective risk management methods, through analyzing the effect of risk management means applied in the example, can the risk management measures be optimized and the risk management level of the bank's outbound investment be effectively improved, can the bank of China serve the national strategy of "One Belt And One Road".

This paper first analyzes the current situation of Chinese Banks' outbound investment, and then reveals the investment risks faced by Chinese Banks under the specific investment background of "One Belt And One Road" strategy.Then to Indonesia windu's bank of China construction bank mamp;a cases carried on the thorough analysis, pointed out that although Indonesia is a significant country in "One Belt And One Road" strategy and has a larger investment attraction of emerging markets, but because of its various factors, domestic Banks in the country's investment in China is faced with a series of risk. This paper summarizes the above risks and summarizes the risk management behavior and risk management experience of China construction bank in the process of outbound investment. In the last chapter, it gives relevant Suggestions on risk management optimization.

Key Words: "One Belt And One Road" strategy; Commercial Banks; Foreign investment risk; Risk management optimization

目录

摘要 Ⅰ

Abstract Ⅱ

第1章 绪论 1

1.1研究背景及意义 1

1.2国内外研究动态 1

1.3 研究方法与研究思路 2

第2章 “一带一路”背景下我国商业银行对外投资发展现状 3

2.1 对外投资动机强烈 3

2.1.1 国内市场被挤占 3

2.1.2国外金融需求增加 3

2.2 投资规模与范围迅速扩张 3

2.3投资风险上升 4

2.3.1 全球经济下行 4

2.3.2 新型冠状病毒影响 5

第3章 “一带一路”背景下商业银行对外投资面临的主要风险 7

3.1决策风险 7

3.2 国家风险 7

3.2.1政治风险 7

3.2.2经济风险 8

3.2.3其它国家风险 9

3.3 法律风险 9

3.4 整合风险 10

第4章 建设银行并购印尼windu银行的案例分析 11

4.1并购双方简介 11

4.2并购项目简介 11

4.3并购风险与风险管控分析 12

4.3.1建行面临的主要风险 12

4.3.2建行采取的风险管理手段 13

第5章 建议与展望 15

5.1 建议对策 15

5.1.1选择合理的投资方案 15

5.1.2借力“一带一路”国家战略 15

5.1.3完善风险评估体系，强化风险全面管控 16

5.1.4落实专业人才培养 16

5.2 展望 17

参考文献 18

致谢 19

第1章 绪论

1.1研究背景及意义

世界经济将朝着深度全球化的方向发展的趋势是毋庸置疑的，自从我国加入WTO以来，我国金融市场的开放程度也不断加大；同时中国经济持续健康平稳发展，吸引外资的能力不断提高。在银行业，不少外资银行开始将我国商业银行列入投资目标，这在一定程度上激活了我国的金融市场，但也锐化了我国银行业的竞争；同时由于我国本土商业银行的发展，使得这种竞争更为激烈。