在银行业全面开放的背景下对在华外资银行的分析

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1、A。BSTRACTSinceourcountryenterstheWTOandtheeconomygrowsrapidly,theforeignbankshavedevelopedfast．Itscapitalscaleunceasinglyexpands，andthedepositandloanbusinessdevelopwithsteadysteps．Also，itsprofitconditiongetsbetterandbetter,andthegrowthspeedsup．AlongwiththeChinesefinanceindustrycomprehe

2、nsiveopening，thebankmarketcompetitionwillbemoreandmoreintense．InthetermsofthebankoccupationoftheGDP,USisO．88，Japanisl．47，buttheChineseproportionhasachieved2．01，obviouslytheChinesebankingindustryaccountsfortheGDPproportioninabigway．TherearemanybanksinChina，andthebankcompetitionintensesi

3、tuationextremelyisdirect-viewing．111enextsectionoftimes，theRMBdepositandloanbusinesswillbethekeyfield．Althoughintheshorttime，theforeignbanksCannotbringbigimpactsonourbankbusiness，foralongtime，theforeignbankswillcertainlyformthecompetitivepressure．BecauseOurcountryisgraduallyrelaxingthe

4、foreignbanksservicecontr01．After2007，itwillbeatimewhichfullofcompetitionandcooperation．HowwilltheChinesebanksdealwiththeopporttmitiesandchallenges，howwilltheyimprovetheircoreabilities．Theseareveryimportant．11lisarticleanalysesthehistoryandpresentsituationoftheforeignbanks，thecausesofth

5、eirentering，thedistributioncharacters，thefundamentalmodes，andtheirservicestructuresfrommultiviews．Italsosummarizesthestrategiesoftheforeignbanks，andtheimpactsOnourcountry．Atlast，thisarticleproposessomeindividualviewstoChinesebankindustrythroughthecomparisonsoftheforeignbanksandtheChine

6、sebanks．Forrecentyears，molecompetitionsreflectamongfjreigIlbanks．Butatpresent，themainbodieshavealreadyChanged．nefuturefirstcompetitionwillbebetweentheforeignbanksandtheChinesebanks：thenextwillbebetweenthestrategicinvestor．Them耐埘nbebetweentheChinesebanks．Infuturethemainpatternwillbeawin

7、—wincompetitionmarket．Now，theforeignbanksbuyingtheInChinesebanks7sharesiscompleted．ButnextstationinwhichtheforeignbankswillbuythesharesofthemiddleandsmallbanksCanformalargerscale．Moreover，theauthorbelievesthattherealcompetitionhavenotstartedyet，thatis，theintellectualpropertyrights．Th