2004～2005年国际银行业发展回顾与展望

Review and Prospect: A Development of the International Banking During 2004～ 2005

2004年,全球主要国家和地区经济增长进一步加快,国际银行业发展情况良好,整体呈现出四个特点:一是规模扩张依然是国际大银行提升竞争力和业绩的重要手段;二是业务结构和地区结构的调整仍在继续;三是不断暴露的法律风险凸现银行合规经营的重要性;四是中国市场成为国际银行业争夺的新焦点。2005年,国际银行业的发展仍将持续向好,但仍存在一定的风险。在今后相当长的一段时期内,国际银行业面临的主要挑战就是《新巴塞尔协议》的实施。从调查情况看,无论是会员国还是非会员国银行业都在为实施新协议作积极准备。

With the accelerating of world economic growth in 2004, the performance of international banking sector shows sound, which can be concluded as follows Firstly, scale expansion helps giant banks to improve competitiveness and profitability Secondly, business and regional restructuring is deepened; Thirdly, continuously exposed legal risk demonstrates the significance of legal operation Fourthly, market of mainland in China becomes the new hotspot of international banks In 2005, international banks will keep the pace of steady development, while there exits certain risks In longrun, the main challenge of international banks will be the carrying out of New Basel Accord Questionnaire of international banks shows that both membership banks and non- membership banks will be preparing for the carrying out of New Basel Accord actively