对银行国际化发展的思考剖析.ppt

2015.05.22，成都 埃森哲的观点： 全球性银行，在世界主要市场都拥有分支机构，为客户提供全球化的投融资和金融服务 地区性的银行，即选择和自身文化和经济联系比较紧密的市场进入，在某些区域性市场具有较强的竞争优势 业务来源三分之一以上来自国外的银行定义为跨国银行，在至少三个地区的业务来源都高于15%的银行称为全球化银行 在世界前20大银行（按2010年末总市值排名）的13家发达国家银行中，跨国银行有5家，包括汇丰银行、花旗银行、西班牙桑坦德银行、法国巴黎银行以及加拿大皇家银行 对国际化的理解 个人的观点 真正的全球性银行只有汇丰银行以及花旗银行 汇丰银行广告 广告语 两段广告片 对国际化的理解 南非标准银行 全球100个国家和地区有分支机构，服务2亿的账户 Retail banking local commercial banking branch-based financial advisors Residential real estate Asset management in Citi-branded cards 举例：花旗银行 Securities and Banking Investment banking Corporate lending Fixed income and equity markets (including prime brokerage) Fixed income and equity research 举例：花旗银行 Private Bank Transaction Services Treasury and trade solutions Securities and fund services 收入 NA 44% EMEA（欧洲、中东、非洲） 16% LATAM 19% ASIA 21% 股权结构 We work with a wide range of customers, from small enterprises to mid-market companies and large multinationals, providing them with the tools they need to function efficiently. As a cornerstone of the HSBC Group we have the financial strength to support our customers with working capital, term loans and acquisition or project finance, and the expertise to help them raise money from the stock and bond markets. Our relationship managers are supported by specialists in four fields: Global Trade and Receivables Finance provides services and financing for buyers and suppliers throughout the trade cycle, helping them to use working capital efficiently, manage trade risk and fund their supply chains 举例：汇丰银行 Payments and Cash Management gives businesses greater control over their cash and collections, and helps them to manage their liquidity efficiently. Our e-banking platforms enable customers to make seamless payments between countries and currencies 举例：汇丰银行 Global Capital Finance provides commercial clients with access to a wide range of capital financing, including debt, equity and advisory services 举例：汇丰银行 Insurance and Investments offers business and financial protection, t