全面开放后中外银行竞争态势的比较分析

银行业全面开放后,外资银行的竞争优势主要来自于其中间业务收入、风险管理能力以及先进的激励机制所吸引的人才资源.未来两年内,外资银行在中国的竞争策略将有所变化,将侧重一些市场和业务领域的拓展.中资银行应通过自身的发展和完善,加强合作,不断提升竞争能力,以应对外资银行的挑战.

Comparative Analysis on the Competition between Chinese Banks and Foreign Banks after the All-around Opening-up of the Chinese Banking Industry

With the all-around opening of the Chinese banking industry, the competitive advantages of foreign banks mainly come from aspects of intermediary business income, risk management capability, and human resources derived from advanced excitation mechanism. Within a couple of years, foreign banks in China will witness great changes in their competition strategies, with emphasis on the broadening of certain markets and services. Chinese banks should strengthen their competitiveness through self-perfection and cooperation so as to face the challenges of foreign banks.