国际金融服务贸易自由化对我国银行业发展的影响
关键词：金融服务贸易自由化 我国银行业国际化 发展策略
The Influence of Chinese bank´s international in the condition of financial service trade liberation
Abstract: In the context of the liberalization of international trade in financial services, with the increasing strength of the expansion of the scale of China's overseas investment and Chinese banks, commercial banks in China to "go out" interest in business strategy increasingly strong, overseas business has become a large increase in bank performance highlights and an important area of development of China's banking industry, but to set up branches in China's banking industry is constantly outside and actively participate in the process of cross-border mergers and acquisitions, but a lot of problems, so we proceed from the international development of China's banking industry, comparative analysis of the problem, the international commercial banks for serious reflection and objective analysis to achieve the internationalization strategy of the development of China's banking industry specific path through the analysis of the problems faced by China's banking industry, with developed countries, China's development into a financial and trade power to provide theoretical references and suggestions.
Key Words: Financial service trade liberation Internationalization of the bank Development strategy
目 录
引言1
1. 我国银行业国际化发展现状及动因.2
1.1国际化发展现状概述2
1.2国际化战略动因分析3
1.2.1改革开放为银行业国际化提供了广阔视角3
1.2.2自身实力持续增强为国际化提供了经营动能3
1.2.3国内资金运营率下降市场竞争激烈4
1.2.4企业与居民“走出去”的市场需求带来战略机遇5
2.我国银行业国际化发展问题分析6
2.1国际化战略实施过程中产生的问题分析.6
2.1.1国际化战略视野不明确.6
2.1.2经营管理模式与手段落后.6
2.1.3缺乏明确的人力资源战略.7
2.2与国外商业银行国际化的比较分析——基于中国银行与汇丰银行的比较8
2.2.1国际化发展阶段.8
2.2.2国际化业务形式.9
2.2.3国际化网点机构分布与海外员工11
2.3对我国银行业产生的启示12
3、我国银行业国际化战略发展建言.14
3.1建立合理的国际化发展战略.14
3.1.1明确目标和开拓国际化发展的视野14
3.1.2经营模式的国际化转变战略14
3.1.3管理升级的国际化提升战略14
3.2加强国际化程度的措施与途径.15
3.2.1积极以并购方式参与国际化15
3.2.2注重金融服务业务与产品的创新16
3.2.3建立合理的机构国际化布局16
3.2.4加强人力资源的培养17
结论.18
致谢.19
参考文献.20
引言
国际金融服务贸易自由化是指一个国家或地区逐步减少和消除各种金融服务的贸易限制和贸易壁垒, 使金融服务贸易活动放在自由竞争的市场中, 使贸体制逐步由保护贸易体制向自由贸易体制转变。1994年4月15日,一百多个国家参与的关税及贸易总协定乌拉圭回合谈判最后文件签署,金融服务被纳入自由贸易的范围,在《关贸总协定》中将国际金融服务贸易定义为: 由一成员方(参加世界贸易组织服务贸易谈判的国家和地区)的金融服务提供者向另一成员方提供的任何有关在金融方面的服务。
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