摘要
2008年以来,日本银行业掀起了新一轮海外扩张浪潮,呈现出以北美和亚洲新兴市场为重点、以并购与设点方式平行推进、以服务当地企业为主、以息差为主要利润来源、以三大银行为海外扩张主力以及严格把控海外风险等六大特征。与日本大型银行相比,中资银行在海外基础设施建设、资产效能、收入和设点方式多元化以及风险管控能力上还存在一定差距。当前,在中国经济进入新常态、金融市场化改革、一带一路建设以及人民币国际化进程加快推进的背景下,中国银行业应充分抓住历史机遇,通过练好内功、理性布局、量力而行、做出特色、国家统筹五个方面进一步推进银行国际化进程。
Since 2008, the Japanese banking industry has started a new round of overseas expansion. Inthe process, Japan banks have focused on the North American and Asian emerging markets,emphasizing both acquisition of local players and establishment of their branches, put priorityon provision of serve for local clients, and relied heavily on net interest income as the mainsource of profit. Compared with Japan's mega banks, the big Chinese banks have laggedbehind in terms of oversea infrastructure construction, asset allocation efficiency,diversification of income and expansionary strategy, and ability of managing risks of overseasoperation. To accelerate the pace of internationalization, China's banking industry shouldmake good use of the current opportunities, improve their capabilities, allocate their resourcesmore efficiently, act rationally, and expand their operation in accordance with the nation'soverall strategy.
出处
《国际经济评论》
CSSCI
北大核心
2016年第3期85-96,共12页
International Economic Review
基金
中国银行国际金融研究所2015年年度重点项目"危机以来全球大型银行战略转型研究"的阶段性研究成果
