新一轮银行业对外开放背景下的政策重点及对海外中资银行的启示

The Policy Focus of the New Round of Opening up of China’s Banking Sector and Implications for China’s Overseas Banks

当前,外资银行在中国面临的本土化困境存在一定的监管和环境限制,也存在与外资银行自身特点相对应的主观因素,比如决策机制和风险偏好与中国市场的错位、本地客户信任基础薄弱等。下一步,我国银行业对外开放需回归行业特殊性。对违背业务逻辑、阻碍市场发展的监管政策予以积极调整;对外资行自身存在的问题,应留给市场自己解决。此外,需立足产品、市场和人才体系建设,发挥外资银行优势,为更高水平的银行业对外开放打下扎实基础。最后,外资银行的本土化经验也可为海外中资银行提供借鉴经验。未来我们需要在战略决策、监管合规、管理制度和经营操作等方面加强工作的针对性,提高我国海外金融机构的运行效率和盈利能力。

The localization dilemma faced by foreign banks in China is partly from regulatory and environmental constraints;however,subjective factors are also important,such as mismatch in decision-making mechanism and risk preference.Next,the opening up of Chinese banking sector should respect the nature of the industry.On one hand,actively adjusting the regulatory and policy practices has apparently violated the business logic and hindered the market;on the other hand,foreign banks should creatively solve their own problems.It is necessary to construct product,market and talent system,give full play to the advantages of foreign banks,and lay a solid foundation for the opening up of the banking industry at a higher level.Last but not least,China’s overseas banks could draw lessons from foreign banks in China.In the future,it is necessary to strengthen the pertinence in strategic decision-making,supervision,compliance management system,and operation so as to improve profitability of China’s overseas financial institutions.