商业银行海外发展模式:理论前提与判断标准

编者按:在经济一体化和金融全球化的背景下,商业银行跨国经营不断涌现.商业银行海外发展模式主要有两种,一是直接在东道国设立分支机构即内生性增长模式,二是通过并购当地的银行实现业务扩张即外延式增长模式.实际工作中商业银行如何选择海外发展模式,理论界和实务界对此都缺乏系统的研究,本文在对理论进行梳理和总结的基础上,从实践操作的角度从四个方面提出了八项标准,可供我国商业银行选择海外发展模式时参考.

Theories and Criteria of Commercial Bank's Overseas Expansion Models

There are two models in overseas development to commercial banks.The one is to set up branches in the host country,and the another one is to M&A local banks to achieve business expansion.However,there is no progression in theory field and practice areas about the problem that how to select overseas development model.This paper will provide eight standards from four aspects at a practical perspective.