中国银行业“走出去”的实践与思考

Practice and Thinking on the Going Global of China's Banking Industry

中国银行业"走出去"既可以实现自身多重目标,也可以促进中国经济全球化。近年来,中国银行业国际化成绩斐然,经验弥足珍贵,主要包括国际化发展要与中国经济全球化进程相匹配、探索并坚持适合自身特点的国际化发展道路、坚持稳健审慎的发展战略、申设与并购方式相结合拓展经营网络、努力推进内外联动和集团一体化发展。新形势下,中国经济步入新常态,与世界融合进一步加快,"走出去"国家战略全面形成,"一带一路"战略启动实施,中国正由吸引投资国向对外投资国转变,人民币国际化进程提速,这为中国银行业深化"走出去"经营创造了更多机遇和更广阔的市场空间,也带来新的挑战。未来,中国银行业深化"走出去",将自身发展成为具有较强竞争力的跨国银行,能更好地服务中国在新常态下的可持续发展和经济全球化进程。为此,需要在以下几方面努力:打造境外网络布局,推动差异化经营;全面构建"走出去"金融服务体系;深入推动跨境人民币业务发展;发挥比较优势,打造核心产品线;依托集团优势,加强联动发展。

The Integration of China's economy and the world economy requires the service's globalization of Chinese banks,the going global of Chinese banks can not onlyrealize their own multiple goals,but also promote the globalization of China's economy.In recent years,great progress has been made for the internationalization of China's banking industryandthe accumulated experience is precious,such as advancing international development matching China's economic globalization,exploring and adhering to their own international development path,adopting prudent development strategy, expanding the business networks through combination of newly-setting and M&A,promoting the integration of internal and external linkage and group development.Under the new situation,China's economy entered a new normal period,and further accelerate the integration with the world,accompanying with the comprehensive formation of the going global national strategy and the full implementation of the one belt and one road strategy,China is changing from country attracting FDIto country investing overseas,and the RMB internationalization process will be accelerated,which will bring more opportunities and broader space,and as well as new challenges for the further going global operation of China's banking industry.In future,the further going global of Chinese banks can develop them into multinational banks with strong competitiveness,and better serve the Chinese process of sustainable development and economic globalization as well in the new norm situation.Chinese banks need work hard in the following aspects:buildingoutbound network layout,promoting differentiated operation,improving comprehensively thegoing global financial services system,advancingRMB cross-border business development,building core product lines with comparative advantage,relying on group strengths andrealizing interactive development.