国际银行业的转型

The Transformation of International Banking Industry

本文在实地考察欧美银行业的基础上 ,对国际银行业转型的原因、银行新形态、以及发展趋势进行分析。本文研究结果认为 ,经济环境的变化已经使传统银行业的核心竞争力受到削弱 ,银行业的整体转型不可避免。以欧美国家为代表的国际银行业经过努力 ,已基本完成转型 ,正变成一种垂直专业化 ,水平多样化 ,以信息技术为纽带的新型金融机构。本研究还认为 ,国际银行业调整后的生存形态和发展趋势 ,是银行业求生本能反应的必然结果 ,带有很强的普遍规律性 ,将对任何一个开放国家的银行业产生影响。

The objective of this research is to give an overall analysis on the international banking transformation.The result indicates that the traditional core competencies of banking industry have been eroded in changing environment,which means it is inevitable that banking transformation.The banking firms in advanced countries are adjusting their business strategies and organizational structure,and a new kind of banking industry which is diversifying horizontally but more specializing vertically is emerging.