2021年中国银行业海外发展战略的思考

兰州商学院长青学院

欧阳光明（2021.03.07）

本科生毕业论文（设计）

论文（设计）题目：中国银行业海外发展战略的思考

系别：财政金融系

专业 (方向)：金融学

年级班：2006级金融(二)班

学生姓名：马鑫

指导教师：马润平

2010年5月18日

中国银行业海外发展战略的思考

摘要

经济全球化与金融一体化已成为不可逆转的时代潮流,银行的国际化也成为银行业发展的必然趋势。随着中国经济的进一步对外开放和金融体制改革的深入,中国银行业面临参与国际竞争的外在压力和实现全球化的内在要求。但中国的银行业在制度环境、人员素质、资金技术实力等方面与发达国家的著名银行相比差距甚远,实现国际化不可能一蹴而就,而是一个渐进式的过程。

当前，我国四大国有商业银行股份制改革已取得了重大突破，中行、建行、工行都成功地引进了境外战略投资者，深化完善法人治理结构，建立现代金融企业制度，中行、建行成功地在香港率先上市，中行又成功地在上海上市，接着，工行在上海和香港同时成功上市。农行已完成了内部财务重组和不良资产剥离等提前准备工作，预计也

会在今年第三季度上市。从我国国有商业银行的资本、资产、盈利规模来看，有的已跻身于国际大银行二十强之列，一些股份制商业银行国际业务也有长足的发展。工行、建行甚至在全球名列前茅。但从国际化程度看，无论从业务品种、跨境服务，海外直接投资(海外设置分支机构、投资海外企业)以及集团的管理水平，都大大落后于世界级的跨国银行，有的还处在起步阶段。同时，国内外经济金融面临的形势又十分复杂，国际金融危机影响仍然存在，中国银行业在海外经营发展面临的困难和全球性挑战压力明显加大。

[关键词]海外发展战略海外并购本土化

ABSTRACT

Economic globalization and financial integration has become an irreversible trend of the times, international banks have become an inevitable trend in the banking sector development. With the further opening up of China's economy and the deepening of financial reform, China's banking sector is facing external pressure to participate in international competition and globalization of the inherent requirements. But China's banking system, the environment, quality of personnel, capital and technology strength, with the developed countries, a far cry compared to well-known banks, internationalization can not be achieved, but a gradual process.

At present, China's four major state-owned joint-stock reform of commercial banks have made a major breakthrough, Bank of China, Construction Bank, working row Chenggong to introduce strategic investors outside the country, deepening and perfecting corporate governance structure, establish modern financial enterprise system, Bank of China, Construction Bank successfully listed in Hong Kong in the first, Bank of China successfully listed in Shanghai and then, ICBC successfully listed in Shanghai and Hong Kong simultaneously. Agricultural Bank of China has completed the internal financial restructuring and other bad assets in advance preparations are also expected in the third quarter. China's state-owned commercial banks from the capital, assets, profitability scale of view, some international banks have been among the 20 strong list, the number of joint-stock commercial banks have significant international business development. ICBC, CCB and even among the best. But look at

the international level, in terms of business lines, cross-border services, foreign direct investment (to establish a branch abroad, overseas investment enterprises) and the Group's management, have lagged far behind the world-class multinational banks, some still in early stage. Meanwhile, the domestic and international economic and financial situation and the complexity facing the international financial crisis continues, China's banking sector in the development of overseas business difficulties and the challenges of global pressures significantly increased.

[Key words] Overseas DevelopmentOverseas M & A Localization

目录

一、海外机构(1)

（一）海外机构的概念(1)

（二）我国银行业的海外发展(1)

二、中国银行业海外机构战略发展情况与分析(2)

（一）认清国内外经济金融形势，准确把握海外发展机遇期(2)

（二）我国银行业海外发展的原因和现况(3)

1、我国银行业海外发展的原因(4)

2、我国银行业海外发展的现状(4)

三、我国银行业海外机构健康发展的对策和思考(7)

（一）我国银行业应加大海外并购(7)

1、注重业务互补和服务功能的多元化(8)

2、注重对收购对象的选择(9)

3、注重利用海外战略投资者的国际经营经验(9)

4、注重并购后的整合(9)

（二）我国银行业应逐步实现海外机构发展的本土化(9)

（三）积极推进新兴市场和产品创新战略(12)

（四）加强银行业国际化风险意识(13)

（五）建设高素质的人才队伍是落实海外发展战略的根本保证(13)四、结束语(14)

参考文献(15)