對外資銀行放寬管制后中資銀行業面臨的沖擊

國際貿易論文編號:GM041    論文字數:12428,頁數:17

目  錄

1 導論 .................................................2
1.1選題的意義 ..........................................2
1.2對外資銀行放寬管制的內容 ............................2
1.3銀行業對外開放的有關理論............................ 4
2  對外資銀行放開管制后中資銀行面臨的挑戰 ..............7
2.1中資銀行在競爭中的劣勢分析 ..........................7
2.2  中資銀行面臨的沖擊分析............................ 9
3  中資銀行的應對策略 ..................................11
3.1  充分發揮自身的優勢、積極爭取新的突破 ..............11
3.2  樹立以客戶為中心的服務理念........................ 12
3.3  實現經營模式的戰略轉型 ............................12
3.4  堅持不懈地進行金融創新............................ 13
結束語 .................................................14
參考文獻 ...............................................16
致   謝 ................................................17

摘    要

      隨著06年底《中華人民共和國外資銀行管理條例》的頒布，我國放寬了對外資銀行的管制，中國銀行業全面對外開放。人民幣業務的對外開放固然有利于我國銀行業與國際接軌，符合我國對外開放的政策，然而開放所帶的沖擊對我國銀行業仍是巨大的挑戰。
由于我國銀行業缺乏市場經濟的磨練，在經營管理，風險控制，技術應用等放面表現出了嚴重的劣勢。從而在與外資銀行競爭中將存在人才競爭、優質客戶爭奪、金融產品爭奪等一系列的挑戰。為了提高中國銀行業整體競爭力，建立一個健康、發達的銀行體系，文章從中外資銀行的現實情況出發，研究出一系列的應對措施以推動了銀行業全面改革，提高了銀行業的健康度及綜合競爭力。

【關鍵詞】外資銀行  放寬管制   人民幣業務 

Abstract

Along with the issuing of the “Administrative Act of Foreign Capital Bank”, we have loosen control of  foreign capital bank, and our banks opens to the outside world entirely. Although the opening-up of RMB business will do good to our banks’ connecting with the world and accords with our opening policy, it will still bring our banks a lot of difficulties and great adventure. 
  Our banks will be in disadvantage in the aspects of business running, risk control, technique application and so on since we lack the experience fighting in the market economy. So we will face the fierce competition of talent, good customers, banking products and so on. In order to improve the power of the competition and set up a healthy and advanced banking system, we have to work out a series of measures to put advance the reform of the bank industry and improve the competition power of our banks.

【Key Words】Foreign capital band; Loosen control; RMB business; Impact; The six hypothesis; Strategy