外资银行理财业务本土化的战略分析
摘要
无论是哪个行业的境外公司,一旦决定进入到他国市场,最常提到的战略前提便是“本土化”,因为他们深知“本土化”对于了解当地市场和开展业务的重要性。银行业同样如此,尤其对于为客户提供理财投资规划的财富管理部门而言,了解客户的心理与需求更是十分必要。然而,真正的做到“本土化”,并非像只是喊喊口号、拉拉大旗那般容易,而是要在充分的调研、科学的分析、合理的归类基础上,深入到当地市场中去,清楚地认识到自身和竞争对手的优劣势,尽量做到扬长避短。
本文的创作即在中国金融市场与国际日益接轨、外资银行与中资银行竞争日趋激烈的大背景之下,系统的分析理财业务在国内外不同的发展现状,并在外资银行在国内经营3余年之际,根据这一阶段实际取得的成绩和发现的问题,对比中外资银行理财业务的特点,剖析外资银行本土化进程中所遇到的阻碍因素,有针对性的提出改进建议,使传统的本土化理论更具有现实性和可行性。
No matter where the foreign companies come from, once they decide to tap into a new market in other countries, the most important strategy is localization, because they deeply realize that it is so important to understand the local market for their business. So do the banks, especially the departments which service the customers to manage their fortunes. However, to do the real localization is not as easy as to say. It must base on the abundant surveys, scientific analysis, reasonable classifications, and go into the markets, make clear the advantages and disadvantages between the rivals and themselves.
This thesis is based on the background that the relationship between china and world is becoming closer and the competition between the foreign banks and the Chinese banks is becoming fiercer. It analyses the different developing situations of financing in different countries systematically and contrast the features of the Chinese and foreign banks based on the actual achievements and problems after 3-years'operation of foreign banks in China. And then it analyses the prohibitive factors in the course of localization and offers some targeted suggestions to make the traditional localization theory to be more real and feasible.
本文的创作即在中国金融市场与国际日益接轨、外资银行与中资银行竞争日趋激烈的大背景之下,系统的分析理财业务在国内外不同的发展现状,并在外资银行在国内经营3余年之际,根据这一阶段实际取得的成绩和发现的问题,对比中外资银行理财业务的特点,剖析外资银行本土化进程中所遇到的阻碍因素,有针对性的提出改进建议,使传统的本土化理论更具有现实性和可行性。
No matter where the foreign companies come from, once they decide to tap into a new market in other countries, the most important strategy is localization, because they deeply realize that it is so important to understand the local market for their business. So do the banks, especially the departments which service the customers to manage their fortunes. However, to do the real localization is not as easy as to say. It must base on the abundant surveys, scientific analysis, reasonable classifications, and go into the markets, make clear the advantages and disadvantages between the rivals and themselves.
This thesis is based on the background that the relationship between china and world is becoming closer and the competition between the foreign banks and the Chinese banks is becoming fiercer. It analyses the different developing situations of financing in different countries systematically and contrast the features of the Chinese and foreign banks based on the actual achievements and problems after 3-years'operation of foreign banks in China. And then it analyses the prohibitive factors in the course of localization and offers some targeted suggestions to make the traditional localization theory to be more real and feasible.
引文
[1]朱新蓉,宋清华.商业银行经营管理,中国金融出版社,2009,第1版：122～165
[2]郭晓冰.银行营销实战技巧,清华大学出版社,2006,第1版：31-74
[3]中国建设银行研究部专题组.中国商业银行发展报告(2009),中国金融出版社,2009,第1版：92-138
[4]马蔚华.营销技巧(银行公司业务),清华大学出版社,2008,第1版：12-54
[5]黄兰民.香港银行管理细节,经济管理出版社,2006,第1版：44～67
[6]张红军.外资银行：进入与监管,社会科学文献出版社,2009,第1版：102-137
[7]王佳佳.发展中国家的外资银行：竞争、效率与稳定,人民出版社,2007,第1版：55～79
[8]窦菲菲.转型国家银行改革及其对经济增长影响分析：基于外资银行视角,法律出版社,2009,第1版：212-236
[9]连育青.现代商业银行发展与竞争,中国金融出版社,2005,第1版：497-522
[10]刘诗平.汇丰金融帝国：140年的中国故事,中国方正出版社,2006,第1版：124-148
[11]毛蕴诗.跨国公司在华投资策略,中国财政经济出版社,2005,第1版：26-38
[12]上海财经大学现代金融研究中心,上海财经大学金融学院.2006中国金融发展报告：金融开放与金融安全,上海财经大学,2006,第1版：87-115
[13]杨文.香港银行业经营战略的变革,财经科学,1997,6
[14]吴延晖.华侨银行“难产”解密,羊城晚报,2000,5月24日
[15]梅纳德.民营银行如箭在弦,羊城晚报,2000,11月12日
[16]蔡林海.金融危机对华人金融业的影响,当代亚太,1998,7
[17]丁又双.论亚太经济发展中的“华人经济区”,石油大学学报(社科版),1996,2
[18]李秉祥,江建华.论建设银行国际化经营战略,投资研究,1994,12
[19]王勤.东南亚华人金融集团的发展与特点,华侨华人历史研究,1994,3
[20]尹娟.银行高端理财独辟蹊径,理财周刊月末版,2009,36
[21]刘永刚.中国银行业进入“战略迷茫期”,中国经济周刊,2009,36
[22]林松立.银行体系流动性大不如前,证券周刊,2009,30
[23]Joe Klein.West bank Renewal, Time:USA,2000, Vol.175, No.9
[24]Fraser Ritchie. Settlement in the West bank, Journal of the Law Society of Scotland,2009, 10
[25]Mark LaPenta.Metlife bank's Mark Lapenta Sees Shift in IT Priorities, Bank Systems & Technology,2009,10
[26]Nathan Conz.Fifth Third bank Expands Footprint with Web-based RDC Offering, Bank Systems & Technology,2009,10
[27]Glen Fest.Next Up:bank Employee Unions?, US Banker,2009,6
[28]Rodney H. Brown.Roger Greene Bootstrapped Ipswich, Sans bank Funding, Mass High Tech,2009,9
[29]Christopher Sheffield.Danger signs at bank of Bartlett, Memphis Business Journal,2009, 9
[30]Janet Leiser.Kearney Takes on bank in Fight for Survival, Tampa Bay Business Journal,2009,9
[31]Paul E. Teague.P2P Helps Buyers bank Savings, Purchasing,2009,9
[32]Josh Levine. Santander:The most Boring bank in the World, Time:Europe, 2009,11
[33]Margie Manning.Bank of Tampa, Community banks get Push from Huffington, Tampa Bay Business Journal,2008,3
[34]David King.The bank's Green Future, Prospect,2008,5
[35]Hyeonsoo Yeo.Central bank and Intellectual Property, Harvard Law Review,2009, 1
[36]Arryl Demos.Bank Branches:The Changing Nature of Work and Workers, US Banker,2009,2
[37]Al Levi.Good Praise bank Account, Plumbing and Mechanical,2008,12
[38]John B. Carlson, John Lindner.Treasury Deposits and Excess bank Reserves, Economic Trends,2009,6
[39]Kent Cherny, Yuliya Demyanyk.An Update on bank Commercial Real Estate Exposure, Economic Trends,2009,4
[40]Charles Keenan.Home Run Hitters:Results of the 2009 bank Performance Scorecard, Bank Director,2009,10
[41]Christopher Sheffield.Cordova Athletic Club Hires Investment bank to Find Buyer or Equity Partner, Memphis Business Journal,2009,12
[42]Joe Light.The Safest Bets in bank Stocks, Money,2009,10
[43]Kevin Mellyn.Payments:the Lever of bank Profitability, US Banker,2009,7
[44]Xiaoqing Maggie Fu.Competition in Chinese Commercial banking, Banking and Finance Review,2009,8
[45]Nihan Cinar.A Decision Support Model for bank Branch Location Selection, Proceedings of World Academy of Science, Engineering and Technology,2009,8
[2]郭晓冰.银行营销实战技巧,清华大学出版社,2006,第1版：31-74
[3]中国建设银行研究部专题组.中国商业银行发展报告(2009),中国金融出版社,2009,第1版：92-138
[4]马蔚华.营销技巧(银行公司业务),清华大学出版社,2008,第1版：12-54
[5]黄兰民.香港银行管理细节,经济管理出版社,2006,第1版：44～67
[6]张红军.外资银行：进入与监管,社会科学文献出版社,2009,第1版：102-137
[7]王佳佳.发展中国家的外资银行：竞争、效率与稳定,人民出版社,2007,第1版：55～79
[8]窦菲菲.转型国家银行改革及其对经济增长影响分析：基于外资银行视角,法律出版社,2009,第1版：212-236
[9]连育青.现代商业银行发展与竞争,中国金融出版社,2005,第1版：497-522
[10]刘诗平.汇丰金融帝国：140年的中国故事,中国方正出版社,2006,第1版：124-148
[11]毛蕴诗.跨国公司在华投资策略,中国财政经济出版社,2005,第1版：26-38
[12]上海财经大学现代金融研究中心,上海财经大学金融学院.2006中国金融发展报告：金融开放与金融安全,上海财经大学,2006,第1版：87-115
[13]杨文.香港银行业经营战略的变革,财经科学,1997,6
[14]吴延晖.华侨银行“难产”解密,羊城晚报,2000,5月24日
[15]梅纳德.民营银行如箭在弦,羊城晚报,2000,11月12日
[16]蔡林海.金融危机对华人金融业的影响,当代亚太,1998,7
[17]丁又双.论亚太经济发展中的“华人经济区”,石油大学学报(社科版),1996,2
[18]李秉祥,江建华.论建设银行国际化经营战略,投资研究,1994,12
[19]王勤.东南亚华人金融集团的发展与特点,华侨华人历史研究,1994,3
[20]尹娟.银行高端理财独辟蹊径,理财周刊月末版,2009,36
[21]刘永刚.中国银行业进入“战略迷茫期”,中国经济周刊,2009,36
[22]林松立.银行体系流动性大不如前,证券周刊,2009,30
[23]Joe Klein.West bank Renewal, Time:USA,2000, Vol.175, No.9
[24]Fraser Ritchie. Settlement in the West bank, Journal of the Law Society of Scotland,2009, 10
[25]Mark LaPenta.Metlife bank's Mark Lapenta Sees Shift in IT Priorities, Bank Systems & Technology,2009,10
[26]Nathan Conz.Fifth Third bank Expands Footprint with Web-based RDC Offering, Bank Systems & Technology,2009,10
[27]Glen Fest.Next Up:bank Employee Unions?, US Banker,2009,6
[28]Rodney H. Brown.Roger Greene Bootstrapped Ipswich, Sans bank Funding, Mass High Tech,2009,9
[29]Christopher Sheffield.Danger signs at bank of Bartlett, Memphis Business Journal,2009, 9
[30]Janet Leiser.Kearney Takes on bank in Fight for Survival, Tampa Bay Business Journal,2009,9
[31]Paul E. Teague.P2P Helps Buyers bank Savings, Purchasing,2009,9
[32]Josh Levine. Santander:The most Boring bank in the World, Time:Europe, 2009,11
[33]Margie Manning.Bank of Tampa, Community banks get Push from Huffington, Tampa Bay Business Journal,2008,3
[34]David King.The bank's Green Future, Prospect,2008,5
[35]Hyeonsoo Yeo.Central bank and Intellectual Property, Harvard Law Review,2009, 1
[36]Arryl Demos.Bank Branches:The Changing Nature of Work and Workers, US Banker,2009,2
[37]Al Levi.Good Praise bank Account, Plumbing and Mechanical,2008,12
[38]John B. Carlson, John Lindner.Treasury Deposits and Excess bank Reserves, Economic Trends,2009,6
[39]Kent Cherny, Yuliya Demyanyk.An Update on bank Commercial Real Estate Exposure, Economic Trends,2009,4
[40]Charles Keenan.Home Run Hitters:Results of the 2009 bank Performance Scorecard, Bank Director,2009,10
[41]Christopher Sheffield.Cordova Athletic Club Hires Investment bank to Find Buyer or Equity Partner, Memphis Business Journal,2009,12
[42]Joe Light.The Safest Bets in bank Stocks, Money,2009,10
[43]Kevin Mellyn.Payments:the Lever of bank Profitability, US Banker,2009,7
[44]Xiaoqing Maggie Fu.Competition in Chinese Commercial banking, Banking and Finance Review,2009,8
[45]Nihan Cinar.A Decision Support Model for bank Branch Location Selection, Proceedings of World Academy of Science, Engineering and Technology,2009,8