The bank tiger of foreign capital regards Chinese market

1, the development of

First, the bank of foreign capital when China branch quantity increases. Up to the end of October 2004, it is 223 that the bank of foreign capital establishes representative place in China, commercial organization is 204, in which, foreign branch is 163, difference is more 9, more 14 and more 5 than having increased at the beginning of lifetime. Though the bank of foreign capital establishes the scale of organization in China overall submit uptrend, but and compare before entering lifetime, increase speed and is not quick. It is even in 2002 , the bank of foreign capital when China commercial organization quantity presents downtrend once. Some banks of foreign capital also have the few bank organization of foreign capital while accelerating the China " land " to pull out of Chinese market , reason is various: One is to close and reshuffle correspondingly because of foreign bank reshuffle and merger in China branch; 2 is the partial banks of foreign capital basis own market goal and development strategy, as when China organization and business concentrate management and new integration, corresponding adjustment organization installs; 3 is that the partial banks of foreign capital join the market after World Trade Organization for China hold wait-and-see attitude with prospect.

Secondly, the bank of foreign capital takes the field total asset of Bank of China to present overall uptrend. Up to the end of October 2004, the bank asset total of foreign capital reaches 553.39 billion Yuan, contract than increase 12 times in those years into lifetime, take the 1.8% of the field asset total of Bank of China of financial institution. In which, the loan of foreign exchange takes the 18% of Bank of China of the field loan total of financial institution of foreign exchange around, loan total remaining sum reaches 267.416 billion Yuan. Before lifetime, after related personage has foreseen 5 years, the bank loan market share of foreign capital of foreign exchange will exceed 1/3 , but is seen from present development speed, when the China bank market share of foreign capital still has gap from this increase goal.

Again, the bank of foreign capital when China profit ability rises considerably. In 2003, in China, the bank of foreign capital realizes profit 235 million dollars , increases 20% than 2001; In which, RMB business realizes profit 504 million Yuan , increases 126% than 2001, RMB business profit has become its important profit source. Taking Shanghai as example, the former bank RMB tax profit of foreign capital takes the proportion of its former total tax profit, have increased from the 15.56% of 2001 years to the 52.12% of 2003 years. When profit ability rises , its asset quality also improves. The base of 2003 years, the nation-wide bank bad loan ratio of foreign capital is 3.08%, same than decrease 3 percentage points. Is October 2004 , the loan of the bank of foreign capital total remaining sum has reached 32.31 billion dollars, bad loan ratio drops more, is 1.3%.

Thus it can be seen, the bank of foreign capital now has gone through it to land China the following throw stone to ask road stage , it is fast to have begun to enter , steady development orbit. Especially being in 2004 , this situation expression of the bank of foreign capital is more obvious.

2, the way that

The existence of the bank of foreign capital in Chinese market way expression many shapes, this not only embodies the capital operating mode in the bank of foreign capital , and embodies on the choice of its business kind.

On the one hand, on the capital choice of operating mode, compare with China before entering lifetime, though, it is still that the bank of foreign capital enters a kind of strategic choice of Chinese market to set up branch, but it is very limited that organization quantity increases speed. In it is opposite with this , is strengthening and capital bank contact aspect, the bank expression of foreign capital is exceptional and active. First, in have had 14 capital bank accepts foreign capital to buy a share before( enter lifetime only 2), still have additionally 9 is arranging. , especially " in the external investment of financial institution of 2003 years buies a share fund melts organization management method " enact , in the bank ginseng share of foreign capital, capital bank has even more played the part of promotion role. In secondly, to will soon enter Chinese market more, the bank of foreign capital still waits for through strategic alliance and technical cooperative, business outside pack until form is and capital bank establishment cooperative relation, in both sides use service, advanced technique, equipment and the brand of the organization of foreign capital and the network of extensive capital organization, realize to have complementary advantages. In now comes to see , the bank of foreign capital already when fund takes apart to borrow , agency settles accounts , bill discount and the investment of national debt , derive product trade, silver group loan, credit card and many trading financing business fields to carry out extensive cooperation. Certainly, only going besides individual business, the also some little banks in domestic have selected the full-range cooperation of the bank of foreign capital.

Additionally on the one hand, on the choice of business kind, the expression of the bank of foreign capital is also active. Enter lifetime former, the bank of foreign capital when China scope of business gets many restrictions, and is confined to the business of foreign currency mostly. After lifetime, in China, the bank of foreign capital is expanded by business affir scope by the business of foreign exchange to RMB business, the business kind of operation has also exceeded 100 kinds. Up to the end of December 2004, the 105 bank organizations of foreign capital get approval , manage RMB business in 18 Chinese cities, and in 61 get approval to manage capital enterprise RMB business. At the same time, to change the inferior position in the aspect of business network and points, the bank of foreign capital develops experience as well as product and technical innovation more through the financial product of advanced management pattern, risk control ability and maturation to participate in the competition of home market , accelerates the frequency of the development of product design constantly , puts business focal point to the individual that can embody it to compete advantage gradually to manage money , nets bank over , the products such as credit card.

Is natural, the opening and relax financial control of Chinese financial market is dense cannot divide. Before lifetime, China has enacted a series of law and regulation for that the bank of foreign capital implements superintendency, but as the thorough of financial reform and marketization process accelerate , especially enter lifetime afterwards, some regulations already can not meet the development of realistic needs, under this background, China is legal for being related , have modified with regulation with supplement, have increased the content that China has promised in the negotiation of WTO , superintend standard and usual practice as far as possible for having made correction with the content of not uniform Chinese promise according to world , implement cautious superintendency for the financial institution of foreign capital.