摘要
扩大银行业对外开放,有助于提升银行业国际化和核心竞争力,加快我国金融经营理念、管理方式变革,改善金融发展质量和效率,更好地服务实体经济。由于开放起步较晚、程度较低,我国银行业当前仍面临诸多挑战,如对外竞争力不足与内部竞争加剧并存、地区布局不充分与业务覆盖不均衡并存、外资银行市场诉求与对外开放步伐不匹配、面临风险规避和金融安全方面的冲击、营商环境有待进一步优化等,要加强"共融型"发展,统筹国内国外两个市场的发展,服务好实体经济,积极打造银行业新模式新业态,提升银行业服务竞争力,坚守"稳健型"发展、守住风险监管底线,进一步优化营商环境,不断提升我国银行业开放水平。
Opening of the banking sector to the outside world is conducive to promoting the internationalization and core competitiveness of the banking sector, accelerating the reform of China’s financial management concept and management method, improving the quality and efficiency of financial development, and better serving the real economy. Due to the late start and low degree of opening up, China’s banking industry is still facing many challenges, such as insufficient external competitiveness and intensified internal competition, insufficient regional layout and uneven business coverage, and foreign bank market demands and the pace of opening up. Matching, facing the impact of risk aversion and financial security, the business environment needs to be further optimized, etc., strengthening the "communicative" development, cultivate international competitive advantage, as a whole the development of the two markets at home and abroad, serve the real economy, actively build a new pattern of new forms, the banking industry promote the competitiveness of the banking services. We will continue to improve the openness of China’s banking sector by adhering to measures such as "prudent" development, maintaining the bottom line of risk regulation, and further improving the business environment.
作者
谢冰
黄茂兴
Xie Bing;Huang Maoxing(School of Economics,Fujian Normal University;School of Accounting Fujian Jiangxia University,Fuzhou,Fujian 350001)
出处
《开放导报》
2020年第3期44-50,共7页
China Opening Journal
关键词
银行业
开放
挑战
主要方向
Banking Sector
Opening Up
Challenge
The Main Direction
