上海中外资银行个人金融业务的对比分析  

A Comparative Analysis of Personal Financial Business in Shanghai Domestic and Foreign Banks

作　　者：顾婷婷[1] 孙英隽[1] 

机构地区：[1]上海理工大学,上海200093

出　　处：《商业经济》2009年第8期63-64,110,共3页Business & Economy

基　　金：上海市教委重点学科建设项目(J50504);上海市教委科研创新项目(08YS104)

摘　　要：上海外资银行开展个人金融业务具有雄厚的资金实力、良好的信誉、丰富的经验、先进的技术水平以及遍布全球的发达的经营网络等比较优势,但与中资银行相比,外资银行也存在着与当地市场关系差、机构设置和网点少等劣势。上海的外资银行,应采取依赖于网络银行、优先专注于高附加值和高利润的中间业务、集中夺取优质客户等战略。从长期看,外资银行不会垄断上海市个人金融业务,但它主要专注于有比较优势的几个业务,可能会抢走最有价值的客户。There are some comparative advantages of Shanghai Foreign banks in developing personal financial business, viz. abundant capital, perfect reputation, rich experience, advanced technique, and broad running network spread all over the world, while compared to domestic banks, there are some disadvantages of inferior relationship with local market and insufficient institution structure and service network. Therefore, Shanghai foreign banks should take the strategies of depending on network banks, focusing on inteamediary business with high added value and benefits, and concentrating on taking quality client. Considering long-term development, foreign hanks could not monopolize Shanghai personal financial business, but they will focus on several businesses with more comparative advantages and seize the most valuable clients.

关 键 词：外资银行 个人金融业务 优势 劣势 战略 

分 类 号：F831[经济管理—金融学]