外资银行在华发展战略分析.pdf

摘 要 改革开放二十多年来，中国银行业发生了巨大的变化，综合实力和竞争能力不断 提高，在国民经济中的核心地位愈加突出。然而，与发达国家相比，中国银行业综合 竞争能力不强，存在问题过多。与此同时，外资银行在华呈现良好发展势头，尤其是 在中国加入世贸后，外资银行加快进军中国市场步伐，在日益开放的市场环境中，表 现出较强竞争能力，值得中资银行借鉴。目前对外资银行在华发展策略研究相对较少， 本文拟通过外资银行在华发展战略研究，找出中资银行提升竞争力的可行路径。 本文首先阐述了战略分析的基本思想和原理，对当今中国银行业市场环境及外资 银行竞争能力进行了分析，其次结合外资银行发展现状，从市场进入、客户拓展和业 务竞争多个角度对外资银行发展策略进行详细分析，文章还对不同国家银行业在华发 展的具体特点进行研究，并指出中资银行的潜在市场竞争对手，最后通过具体案例分 析，找出商业银行战略有效实施的关键因素，在借鉴外资银行先进经营管理经验的基 础上，提出中资银行的应对策略。 论文借鉴了经济学、战略管理及商业银行经营管理的理论，联系实际进行分析， 既有中外资银行对比分析，也有外资银行间的横向策略比较，对外资银行发展战略研 究较为全面，提出应对策略具有很强的针对性。通过本文的研究，希冀在日益开放的 市场环境中，中国银行业能够抓住机遇，深化改革，不断提升核心竞争能力。 关键词：外资银行 发展战略 中国银行业 I Abstract With China’s reform and open for more than 20 years, the banking industry has seen significant changes, as its overall strength and competitive capability continuously improving and the role it played in national economy becoming increasingly important. However, as compared with its counterparty of developed countries, the comprehensive competitiveness of China’s banking industry is still weak and full of problems. At the same time, foreign banks’growth in China has demonstrated a growing trend. Especially after China’s entry into WTO, they have speeded up their access to the market, showing relatively strong competitive capability, which are worth of learning for Chinese banks. At present, researches on foreign banks ’development strategy in China are limited. This paper tries to find out a feasible way for Chinese banks to enhance their competitive capability by studying foreign banks’development strategies in china. The paper firstly presents fundamental ideas and theories on strategy analysis and con