The Transformation And Development Of International Business Of Commercial Banks

"Going out" strategy was first proposed in October 2000 on the 11th 15th session of the Fifth Plenary Session of the "Tenth Five Year Plan",since then the strategy officially rose to become the national strategy.At present our country enterprise is carrying out the strategy of "going out" with faster and faster pace,the scale expands unceasingly,the field has been steadily widened,the level has been greatly improved.In recent years,Europe and the United States by the effects of the weak economy,a large number of high-quality overseas assets were significantly underestimated,which have attracted more and more Chinese enterprises to invest overseas and foreign investment of Chinese enterprises facing unprecedented opportunities,the total amount of foreign investment in China,showing the explosive situation.The construction and development of the FTA and "Belt and Road Initiative" policy has brought the historical opportunities for foreign direct investment enterprises China.However in the enterprise gradually accelerate "going out" pace at the same time,due to the Chinese enterprises to enter overseas market period is short,lack of experience in overseas investment,it is inevitable to encounter a series of problems in the process of foreign investment.These problems have put forward a great challenge to the enterprise,among which the three problems of capital financing,risk protection and information symmetry are particularly prominent,which has become the three major "bottleneck" of the enterprise's foreign direct investment.In this case,the state-owned commercial bank guarantee the financing role is very important,so to increase the state-owned commercial banks support to enterprises through "going out",to provide high level and efficient financial services is to help enterprises invest overseas successfully is a very powerful means at present.It's a better way to boost enterprise "going out" promotion effectively,and is an important point for state owned commercial banks to cut in during the promotion of international operations.In recent years,the state-owned commercial Banks respond to the CPC central committee and state council on the "use of international and domestic two markets and two resources",will support the enterprises to "going out" business as one of the emphases on the supply of credit,the credit policy,resource allocation and service security aspects of strengthening the support,state-owned commercial Banks have generally realized the "going out" financial service marketing and innovation will become an important means of all the various competing high quality customer.Based on international department of agriculture bank of China Jiangsu branch as an example,through carries on the comparison to the bank's international business in all kinds of business analysis,finally determine the bank's development of business should focus on the international trade financing business.At the same time,this paper expounds the development status quo of international business of the agricultural bank of china,by comparing the advantages and disadvantages,using porter five model and SWOT analysis method to construct a suitable for the development strategy of the bank.Finally,the paper puts forward the measures to ensure the effective implementation of the international business development strategy from the aspects of system construction,incentive assessment,business marketing,and personnel training,risk management and so on.