Chinese banks face 2006_6964 -

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Facing China's banking sector in 2006

Into the foreign advanced experience with the industry. Speed up financial innovations. Change the current single state-owned commercial bank financial products,[link widoczny dla zalogowanych], and low levels of competition similar to the situation, and actively developing new service products. Different levels to meet customer demand for financial services. In the forward foreign exchange, foreign exchange, interest rate hedging the exchange rate to continuously develop the business variety. Meet market demand. At the same time. Establish a market economy as a whole marketing system, increase the marketing efforts of financial products, the initiative to recommend and sell their customer service. Third, the whole blame timely flow of credit. To seize new growth, and actively develop the best customers. Bank of systems analysis should be the main customers at present China's accession to WTO, the impact may be. Re-evaluate the credit status of customers and industry risks. To take early measures to prevent risks, improve asset quality. Fourth, pay close attention to personnel training, as soon as possible to international financial markets created a demand for professionals. Must value the existing personnel, salaries to recruit top talent, and actively introducing foreign intelligence. And actively create conditions for them to play a role. With the opening up of China began to gradually fulfill the financial commitments, foreign banks from the original eyeing China's financial markets into a reality. In order to explore the market, their first step is to dig people. Because of China's financial markets with a familiar culture of senior personnel at least l0 years. Directly from the state-owned commercial banks, plundered them, saving the equivalent of lO years, and a good manager will be lured away also means loss of a number of high quality source of customers. (C) the establishment of financial institutions mergers and acquisitions market exit and insurance mechanisms. With the entry of foreign banks and domestic banking sector competition, and some commercial banks will be bankrupt in the competition. Out the financial markets. Therefore, we must deposit insurance cooperation through the establishment of economic and technological 2006.9s A pair of gold-owned c 15C H Wing lO really hide, c ? insurance system to protect the legitimate interests of depositors. Mergers between domestic commercial banks and the restructuring of commercial banks in Western developed countries has been the trend: Over the past two years, the United States, Japan, Britain and other countries, commercial banks have to merge,[link widoczny dla zalogowanych], through the complementary advantages to enhance its international market competitiveness and on its ability to resist China joined xX, TO, China commercial banks will face a foreign Under this pressure, China's commercial banks will also be combined and re-appear. Therefore, the state should develop policies and regulations as soon as possible, regulate the domestic banking mergers and acquisitions act four, the central bank should strengthen the supervision of foreign banks, foreign banks have the necessary scientific supervision according to law,[link widoczny dla zalogowanych], strengthen the guidance, improve the monitoring mechanism, so that foreign capital banks in the country's macro-control under the healthy and stable development of the first, to strengthen the scientific management of foreign banks, the legal system, the early development of a relatively complete national regulations of foreign banks, and gradually establish in accordance with the scientific management system of foreign banks Secondly, conditions and steps to open China's banking business to foreign banks and China in the opening procedures must be adapted to the conditions of economic development for a variety of services, banks may be open to international settlement and financial leasing. Foreign exchange and derivatives business,[link widoczny dla zalogowanych], the provision and exchange of financial information, after the open interest on foreign currency deposits and derivative transactions. }, The RMB deposit and loan business, government bonds and A shares of RMB should be careful to let go. Third. Strengthen the effective protection of the government. China to join the WTO as a developing country to take full advantage: the General Agreement on Trade in Services Protection of the development of China's banking industry should learn from other countries to join wTO experience and reasonable business scope of foreign banks, profit repatriation and other restrictions on the project effectively: the fourth, to cancel or reduce gradually imposed on foreign banks number of . Finally. Between domestic and foreign banks actively develop good relations of cooperation. Between China's banking sector, to establish an appropriate and orderly competition. Ensure that the national banking market share sustained and healthy development of the face of foreign banks. In addition to strategic outside attention, but also to actively understand, learn their skills. And established good cooperative relations China's banking sector and foreign banks have their own strengths,[link widoczny dla zalogowanych], in addition to competition, there are still complement each other, opportunities for cooperation that we have extensive domestic network, familiar with the situation, the RMB business a solid foundation, strong The advantage to foreign banks and joint syndicated loans, project financing and other services, a broad prospect for cooperation ��

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