我国商业银行海外并购发展现状、问题及对策

我国商业银行海外并购发展现状、问题及对策摘要自改革开放以来，我国商业银行便不断的走出国门，走向世界，业务范围也逐渐扩展到全球各地：改革开放后，中国逐渐实现了政策的战略转变，从早先的"欢迎外资"转向"向外国输出与引进"相呼应的政策，在此背景下，许多中国知名企业已开始拓展西洋市场并实施海外并购业务和海外投资项目，这敦促中国商业银行进行国际业务，倒逼我国商业银行在全球范围内发展海外业务，积极为我国开展海外业务的知名企业提供国际金融服务。这反过来也促进了商业银行海外并购业务的发展。本文主要论述了商业银行海外并购业务的开展不仅促进了我国商业银行的全球化经营水平，突破了贸易壁垒，扩展了自身的边界，实现了优势互补：而且有助于保持我国的金融体系的稳定，实现金融资源的循环利用和优化配置：促进了对外贸易，推动我国经济的可持续发展并加快与国际金融的接轨。在此基础上，通过文献分析法与案例研究法得出商业银行在在开展海外并购业务的过程中也面临着：1、我国商业银行并购业务盈利性弱且创新能力不足2、我国商业银行并购专业人才缺乏3、风险管理意识不强，风险管理体系落后4、我国商业银行海外并购面临众多风险等问题。针对这些问题提出了1、提高商业银行海外并购盈利能力与创新能力2、重视商业银行并购人才培养3、加强风险管理意识，优化风险管理体系4、改善并购业务的外部环境与提高海外并购后的整合能力等对策建议。关键词：并购；商业银行；金融体系；贸易壁垒-I-Current Situation,Problems and Countermeasures of OverseasM&A of Chinese Commercial BanksAbstractSince the reform and opening up,China's commercial banks have been going out ofthe country,to the world,business scope has gradually expanded to all parts of the world;After the reform and opening up,China gradually realize the strategic shift of policy,fromthe earlier "welcome foreign investment"to "to foreign output with the introduction ofecho of policy,in this context,many well-known enterprises in China have begun toextend the western market and implementation of overseas mergers and acquisitions andoverseas investment projects,which urged the commercial bank of China withinternational business,It forces Chinese commercial banks to develop overseas businessglobally and actively provide international financial services for famous Chineseenterprises that start overseas business.This in turn promotes the development of overseasM&A business of commercial banks.The development of overseas M&A business ofcommercial banks not only promotes the global operation level of Chinese commercialbanks,breaks through trade barriers,expands their boundaries and realizes complementaryadvantages;Moreover,it is helpful to maintain the stability of China's financial system andrealize the recycling and optimal allocation of financial resources.It has promoted foreigntrade,promoted the sustainable development of China's economy and accelerated theintegration with international finance.On this basis,through literature analysis and casestudy method,it is concluded that commercial banks are also faced with the followingproblems in the process of carrying out overseas M&A 1.China's commercial banks'M&A business is weak in profitability and lack of innovation ability;2.4.China'scommercial banks are faced with many risks and other problems in overseas m&a.In viewof these problems,countermeasures and suggestions are put forward,such as improvingthe profitability and innovation ability of overseas M&A of commercial banks,attachingimportance to the cultivation of m&a talents of commercial banks,strengthening theawareness of risk management and optimizing the risk management system,improving theexternal environment of M&A business and improving the integration ability afteroverseas M&A.Key Words:Mergers and Acquisitions (M&A);commercial bank;financial systemtrade barrierII-目录摘要