次贷危机与国际银行业未来走向

Subprime Lending Crisis and the Future Trend of International Banking Development

近期,美国次贷危机进一步恶化,已演变为全面的全球金融危机,国际银行业损失惨重。随着美国主要投资银行或倒闭或向银行控股公司转型,独立投行模式的脆弱性已被证明,混业经营的全能型银行已重夺金融业发展的主导地位,国际银行业将呈现更为多元化的格局,在重归稳健经营的同时,集中和垄断的趋势将加强。我国银行业的国际生存环境将因而发生深刻的变化,对此,我国银行业应积极应对这些变化,力争在国际竞争中实现可持续发展。

Recently, the subprime mortgage loan crisis has developed into a comprehensive global flnancial crisis and caused heavy losses in the international banking industry. Along with the bankruptcy and transformation of the major U. S. investment banks, vulnerability of the independent investment banking model has been proved, universal banks under mixed operation regain their dominant position and the international banking industry will return to sound operation. These developments will have far- reaching effects on the future of International banking industry as well as China＇ s banking industry. China＇ s banking industry should conform to international banking trends and strive to achieve sustainable development.