企业“跨境发展”与银行服务创新

"Cross-Border Development" of Enterprises and Innovation in Banking Services

近年来,中国企业跨境发展成为一种趋势,尤其是在金融危机后更是发展迅猛。企业的跨境发展对银行的服务创新提出了新的要求。本文作者以其所处区域为样本,剖析中国企业跨境发展时在资金融通、银行服务、风险管理、资本运作及信息传导等方面面临的困境,以及银行在服务跨境企业发展中存在的不足,在此基础上提出了商业银行在企业跨境发展上的服务创新之路,即从业务创新、体系建设、市场推广、人才战略及金融合作五个方面做好企业跨境发展服务,以此提升自身品牌,拓展业务空间,实现多方共赢。

In recent years, cross-border development of Chinese enterprises has become a trend, particularly after the financial crisis. Cross-border development presents new demands for service innovation of banks. Taking Ningbo as a sample, the author analyses various difficulties faced by enterprises when fulfilling cross-border development, especially in the fields of financing, bank service, risk management, capital operation, information transmission, etc. Then the paper expounds the shortcomings in bank service to the development of cross-border enterprises. On the basis of the above analysis, the author proposes an innovation path that banks serve the development of cross-border enterprises, that is, providing services in business innovation, system construction, market promotion, human resources strategy and financial cooperation, so as to enhance their brands, expand their business space and achieve win-win situation.