金融功能的全球化发展和银行业国际化

The Globalization of Financial Function and the Internationalization of Banking

不同层次金融功能的渐次国际化,决定了各国银行业国际化的进程。银行业国际化程度的差异,反映了不同金融功能全球化程度的差异。金融功能的国际化进程,通常按以下次序演进:结算功能的国际化→融资功能的国际化→资产管理功能的国际化。金融功能国际化高级阶段的到来,加速了我国银行业国际化的步伐。其主要原因在于:世界经济多边循环模式的确立和发展;银行商业模式和信息技术的进步;人民币国际地位的提高;全球金融自由化和监管放松的趋势。我国银行业的国际化改变了我国国际债务的管理形式、促进了银行业市场结构的改变和规模集中,也增加了我国货币政策的实施难度。银行业国际化提高了银行机构金融服务的能力,提高了银行业的经营效率,增强了与国际金融机构的联动性。

More and more internationalization of financial function on all levels determines the process of banking＇ s internationalization in different countries, while the difference in the degree of banking＇ s internationalization reflects the difference in the degree of internationalization of financial function. The process of financial function＇ s internationalization often takes the following order as settlement to raising to capital management. The approach of the higher stage in financial function＇s internationalization speeds up the internationalizaton of China＇ s banking, because of such reasons as the establishment and development of multi-lateral circulation mode of world economy, the advancement of bank＇ s commercial mode and information technology, the improvement of RMB＇ s international status, and the tendency of global financial freedom and loose of supervision and control. The internationalization of China＇ s banking not only changes the management mode of our country＇ s international debt and leads to the change in the banks＇ market structure and gathering, but also makes it more difficult to enforce our country＇s monetary policy. The internationalization of banking improves the banks＇ ability of financial service, as a result of which improves the banks＇ efficiency and strengthens the interaction with international financial institutions.