外资银行进入的竞争效应与中资银行的竞争战略

Competition Effect of Foreign Bank Entry and Competitive Strategy of China's Bank

转型经济的金融市场中存在着较为显著的信息不对称,外资银行不同的进入模式会产生不同的竞争效应。中欧和东欧的经验表明,外资银行主要以并购模式进入以获取更多的信息优势。我国银行业应该采取4大战略来与外资银行竞争,即降低成本、提高技术,优化借款人的结构和信息,多元化银行的资产结构、积极开拓国际业务,"追求质量"、避免"追求捕获"。

There exists relative strong asymmetric information in transition economies. Different entry mode of foreign bank can produce different competitive effect on the condition of asymmetric information. The experiences in the Eastern and Central European countries show that foreign bank entered mainly by M＆A in order to obtain more information advantages. China＇ s bank should adopt four strategies to compete with foreign bank： that is, Decrease cost and increase technology, improve borrower ＇ s structure and information, diversify asset portfolio and try to develop international business, flight to quality in stead of flight to captivity.