加入WTO后对国家开发银行的影响及对策-工商管理专业论文.docxVIP

摘要∥ 摘要 ∥ 摘 要 玉j《77291 ／国家开发银行是于1994年成立的国家政策性银行，主要针 7一—对宙家基础产业与支柱产业的大中型项目发放中长期贷款，截止 2000年开行固定资产贷款余额5924亿元，开行已逐步成为国家 基础产业大中型项目建设投融资中的重要一环，对带动国民经济 发展及体现政府产业政策起到重要的作用。开行贷款的主要投向 是国家基础产业、支柱产业，贷款比重较大的有电力、煤炭、水 利、铁路、民航、公路等行业。相对于商业银行贷款规模较大， ／ 贷款方式以批发性业务为主。丫 中国加入WTO后，外资银行将会大量涌入，它们在刚进入中 国市场时也会比照世行及亚行，首先将重点放在基础产业与支柱 产业上，基础产业与支柱产业项目贷款有着贷款规模大、贷款风 险小、贷款偿还资金来源稳定等优点，而且外资银行在其营业网 点较少的情况下．也会以批发性业务为主，而这一领域恰恰是目 前开行的主要业务范围，并且相对于外资银行，开行有着明显劣 势，例如，开行金融产品及融资渠道单一、融资成本高、高素质 人才缺乏、营销意识淡薄等缺点。外资银行进入中国市场后，只 会按照市场原则来参与竞争，开行将面临继续作为传统概念的政 策性银行，还是顺应形势，重新定位的选择。所以开行当务之急 是找出差距，确定相应对策。 本文力求将两年多来攻读顼士学位过程中所学的理论知识 与在国家开发银行的工作实践相结合，总结分析开发银行政策性 贷款业务在中国入世后的主要风险及对策。 关键词：FFO银行【髟踊W制 !!!!!!!!一——AbstraCt !!!!!!!!一—— AbstraCt National Development Bank is a national policy-oriented bank founded in 1 994，mainly offering long and mid—term loans to large and medium projects of national basic industries and pillar industries． By 2000．National Development Bank’s balance of loans of fixed assets was 59．24 billion RMB yuan．Gradually becoming an important link of constructional investment and financing for large and medium projects of national basic industries．Nationa】 Development Bank plays an important role in promoting the development of national economy and reflecting the governmental industrial policy．The loans of National Development Bank are mainly invested in national key industries and pillar industries， especially jn the industries of electricity,coal．water conservancy,rail way,civil aviation and roads．In contrast to Commercial Bank。which 10ans are often in large amount．it offers loans mainly in the way of wholesale． Atier China’s accession into the WTO．banks with foreign capital will swarm in，When they just enter Chinese market，they will refer to the practices of the Wbrld Bank and the Asian Development Bank and first put priorities on basic industries and pillar industries， the loans for which are featured by large size，low risk，stable capital return refunding，etc．In addition，as the points of the business network