中资银行与外资银行的经营模式和竞争策略分析

摘要：国外商业银行经营管理结构是现代经营制度中最重要的组织架构。由于经济、社会和文化等方面的差异以及历史演进轨迹的差异，不同国家和地区商业银行的经营管理结构相互间也有所不同。截至2007年底，在华外资银行资产总额为1715亿美元，外资银行的进驻给中资银行的发展带来了巨大的挑战。而商业银行经营模式的选择对银行的生存和发展来说是至关重要的。随着国际金融市场竞争日趋激烈，特别是我国入世后金融服务市场开放步伐加快， 中资银行唯有转变经营模式，突破混业经营壁垒，逐步向全方位、全能化银行方向发展，才是生存之道。作为国际银行业发展主流模式的综合化经营，是我国商业银行实现经营模式战略转型的关键路径。根据我国现阶段的金融监管环境，以及国内银行的经营管理水平，金融控股公司是我国目前较为可取的模式。综合经营可以为银行业金融机构带来协同效应、多元化优势等战略优势。在金融业全面开放的背景下，我国商业银行必须拓宽业务范围，加快向综合经营的转变，提高核心竞争力。
关键字：商业银行；分业经营；混业经营

 Abstract
    Foreign commercial bank management structure of modern operating systems the most important organizational structure. Due to economic， social and cultural differences and historical differences in the evolution of trajectories in different countries and regions， the management structure of commercial banks with each other are different. As of the end of 2007， assets of foreign banks in China amounted to 1715 billion U.S. dollars， foreign banks entered to the development of Chinese banks has brought great challenges. The commercial bank business model choices on the bank's survival and development is crucial. With the increasingly fierce competition in international financial markets， especially after China's accession to the WTO to accelerate the pace of the financial services market opening， the only Chinese-funded banks to transform their operational mode， a breakthrough universal banking barriers， and gradually to the all-round， all-powerful bank of direction， is the survival of way. The mainstream of development as an international banking integration mode of operation is the business model of China's commercial banks to achieve strategic transformation of the critical path. According to China's present stage of the financial regulatory environment， as well as the management level of domestic banks， the financial holding company is China's current preferred model. Comprehensive management for financial institutions in the banking industry brought about synergies， diversification benefits and other strategic advantages. Full liberalization in the financial sector against the backdrop of China's commercial banks must broaden our scope of business to accelerate the transformation to an integrated business and improve core competitiveness.
Key words： Commercial Bank； Divisional operaiton； Mixed operation

 目录
摘要 1
Abstract 2
一、引言 4
二、商业银行经营理论概述 6
（一）偏向于分离制的主要经济理论 6
1.商业银行贷款理论 6
2.风险--收益理论 6
3.利益冲突理论 6
（二）偏向于全能制的主要经济理论 7
1.转移理论和预期收入理论 7
2.储蓄--投资转化理论 7
3.信息经济理论 7
4.产业经济理论 8
三、外资银行经营模式比较分析 9
（一）英美模式 9
1.汇丰银行经营模式 9
2.花旗银行经营模式 10
（二）德日模式 11
（三）英美模式与德日模式比较 11
1.优势比较 12
2.两种模式的融合 12
四、金融混业经营案例分析 12
（一）花旗集团案例 12
1.花旗集团的组织结构 12
2.花旗集团合并的业务整合 12
（二）中信控股公司案例 14
1.中信控股公司的组织结构 14
2.中信控股公司组建的业务组合 14
五、中资银行改善经营模式的竞争策略 15
（一）发展投资银行业务 15
1.融资及财务顾问业务 15
2.代理业务 16
3.资产证券化 16
4.创业板市场业务 16
（三）提高非利息收入业务的比例 16
（六）加快综合性金融控股集团的组建进程 17
（七）加快人才的培养和储备 18
（八）建立综合化经营的信息技术平台 18
结论 18
参考文献 19