南南外资银行的兴起及其发展特征——兼论中国银行业的跨国经营

The Rise and Development Characters of South-South Foreign Banks

南南外资银行的兴起既得益于相对竞争优势和金融监管的放松,又得益于发展中国家相互间国际贸易的发展。对南南外资银行的最新发展进行深入探讨的结果表明,南南外资银行多选择附属行形式和新设方式进入发展中国家,在进入区域上存在着明显的"洼地"现象且偏重于机构进入;与北南外资银行相比,南南外资银行的贷款占比较小,固定资产占比较大,融资能力较弱,融资方式较单一,经营成本较高,经营收益较低。因此,中国银行业应结合自身实际,借鉴南南外资银行发展的经验和教训,在充分利用相对竞争优势的基础上提高跨国经营的水平和绩效。

The rise of South-South foreign banks benefited from both relative competitive advantages and financial deregulation,also the development of international trade between the developing countries.Most South-South foreign banks choose affiliated and newborn bank forms to enter the developing countries with obvious＂low lying land＂phenomenon and emphasis on the institutions entrance.Compared with North-South foreign banks,South-South foreign banks＇loan ratio is smaller,fixed assets ratio is bigger,financing ability is weaker,financing way is more single,operating cost is higher and revenue is lower.Therefore,China banking should learn from the experiences and lessons of South-South foreign banks,make full use of their relative comparative advantages to improve its management level and performance.