全球区域风险与中资银行国际化

Global Regional Risk and the Internationalization of Chinese Banks

近年来全球风险逐渐呈现出区域化特征,本文从系统性和区域性两个角度将全球分为五大一级地理区域和十五个二级经济区域;进而对五大一级地理区域进行结构研究,分析一级区域风险状况以及二级经济区域在全球层面的竞争力,并针对全球区域风险分布对规避中资银行国际化风险提出以下建议:把握区域风险特点,规避网络拓展进程中的风险;实施区域差异化战略,规避业务发展所面临的经济金融风险;制定差异化的全球风险管理体系,规避区域风险管理一刀切现象;加强区域统一管理,规避区域内各机构无序竞争风险。

In recent years, the global risk gradually shows its regional characteristics. From systemic and regional perspectives, this paper divides the world into 5 primary geographical regions and 15 secondary economic regions, and then analyses the structure and risk status in the primary geographical regions and the competitiveness of the secondary economic regions in the world. Considering the global regional distribution of risks, the paper puts forward the following suggestions for Chinese banks to avoid internationalization risks: analysing the characteristics of regional risks and avoiding risks in the process of network expansion; implementing the strategy of regional differentiation and avoiding the economic and financial risks of business development; building the differentiated global system of risk management and avoiding"one size fitting all" in risk management; strengthening regional unified management and avoiding the risks of the disorderly competition of agencies in the region.