跨国并购与我国商业银行海外业务的发展

Transnational Mergers & Acquisitions and Overseas Business Development of China's Commercial Banks

跨国并购是目前国际大银行进行全球业务扩张和增强核心竞争力的战略手段,以汇丰银行集团为代表的许多国际性银行都通过跨国并购实现了海外业务的重大飞跃。近年来,我国银行的海外机构建设已初具规模,但现有的发展模式制约了中资银行海外市场的业务发展。我国商业银行应借鉴国际银行业跨国并购的成功经验,通过跨国并购实现海外业务的发展。其中:拥有最大海外机构网络的中国银行,可重点采用资本重组方式,通过整合海外市场资源,实现海外业务的发展;以国际性银行为发展目标的工商银行、建设银行和交通银行等,可采用通过并购建立控股或参股子行的形式,高起点地进入新的海外市场和业务领域。

Transnational M&A is a strategic approach used by world leading banks to expand business globally and enhance their core competitiveness. Many banks of international dimensions spearheaded by HSBC have made great leap forward in overseas business by transnational M&A. In recent years, although Chinese banks have achieved initial success in setting up overseas establishments, current development model prevents them banks from furthering their business in overseas market. So to expand their overseas business, it is necessary for our commercial banks to copy the successful experience of international banks in transnational M&A. Specifically, Bank of China (BOC) which boosts the largest international network in China should focus on capital restructuring and expand its overseas business by integrating international market resources, whereas ICBC (Industrial and Commercial Bank of China), CCB (China Construction Bank) and BOC (Bank of Communications) pursuing an international outlook may enter overseas market and business areas from a high starting point by setting up holding or participating branches through M & A.