外资银行在华经营策略的演变
The Evolution of Business Strategy for Foreign Banks in China

作者: 陶汝培 :武汉大学WTO学院,武汉;中南民族大学外语学院,武汉;

关键词: 外资银行在华策略演变机遇和挑战Foreign Banks Strategy Changes in China Opportunities and Challenges

摘要:
外资银行自进入我国以来,其发展步伐不断加快。2008年金融危机的爆发虽给外资银行的发展带来了深远的影响,但是在2012年,为进一步拓展中国内地市场,各大跨国银行仍大幅增资,这不仅显示了母国银行对中国市场的重视,同时也预示着中国银行业的竞争将更加激烈。本文通过系统的分析不同时间节点上外资银行经营策略的变化,从而总结规律、预测趋势。结果表明外资银行在华的经营策略是一个不断演变的动态过程,其会根据不同的经济政策做出不同的应对措施。这些措施为外资银行在中国的发展赢得了新的机遇,也给中资银行以深刻的启示。只有充分了解对方的背景和发展特点,才能和外资金融机构在中国的金融市场上共谋发展。

Abstract:
Since its establishment in China, Foreign banks have been witnessed a rapid development. Although the financial crisis in 2008 has brought a significant influence on the progress of foreign banks in China, in 2012, to further expand the Chinese mainland market, foreign banks continue to increase their investments, which indicates their great interests as well as confidence on Chinese market, and also a more competitive future in Chinese banking industry. This study focuses on those concrete operating policies of foreign banks at different times in order to find the laws and trends. The results show that the operating strategies of foreign banks are concrete and dynamic, under which foreign banks are greatly influenced and make their  policies. The dynamic and concrete polices of foreign banks bring themselves lots of new opportunities, and they also bring some inspirations to Chinese banks on operation. Only to know the features of foreign banks’ policies, can our Chinese banks embrace a brighter future.

文章引用: 陶汝培 (2014) 外资银行在华经营策略的演变。 财富涌现与流转, 4, 1-8. doi: 10.12677/ETW.2014.41001

参考文献

[1] Goldberg, L.G. and Johnson, D. (1990) The determinants of US banking activity aboard. Journal of International Money and Finance, 9, 123-137.

[2] Focarelli, D. and Pozzolo, A. (2000) The determinants of cross-border shareholding: An analysis with bank-level data from OECD countries. The Federal Reserve Bank of Chicago Bank Structure Conference, Chicago, October 2000, 9-47.

[3] 张红军, 杨朝军 (2007) 外资银行进入中国市场的区位选择及动因研究. 金融研究, 9, 160-172.

[4] 袁胜军, 许培培 (2012) 外资银行在华个人理财产品营销策略. 经济与法, 20, 183.

[5] 刘阳 (2013) 外资银行在华发展现状分析. 金融经济, 16, 79-80.

[6] 宣蓓蓓 (2013) 在华外资银行品牌本土化研究-以汇丰银行为例. 安徽大学, 安徽.

[7] 凌丽洁 (2013) 外资银行在中国未来的发展路径——贴近百姓生活. 中国外资, 16, 89-91.

[8] 王雅娟, 胡婕 (2013) 外资银行策略——稳步渗透加差异发展. 上海证券报, A06.

[9] 刘克崮 (2010) 经济观察: 中国内外资企业税制实现全面统一. 新华网.

[10] (2013) 中国银行业监督管理委员会2012年报. 中国银监会.

[11] (2012) 中国零售银行业新纪元. 麦肯锡公司.

[12] 具海星 (2012) 外资银行在华发展现状及经营策略分析. 金融天地, 2, 100-101.

[13] 谈佳隆 (2012) 外资银行在华网点增加——市场份额不升反降. 中国经济周刊.

[14] Claessens, S. (2000) The role of foreign banks in domestic banking systems. Kluwer Academic Press, Boston, 127- 129.

[15] 于磊 (2007) 2006年后外资银行在华经营策略变化及我国对策研究. 浙江大学, 杭州.

[16] 赵何敏 (2000) 金融创新、金融工程与金融可持续发展. 中南财经大学学报, 3, 62-66.

分享
Top