Discussion On The International Operation Of The State-owned Commercial Banks In China

With the speeding up of economic globalization and integration, the commercial bank as the main body of financial structure, inevitably to the road of internationalized management, it is the objective requirement of China’s economic development, also their own development bank and participate in international competition. In the face of increasingly fierce competitive environment, in order to resist risk and increase the profit, in order to build new international first-class bank, commercial Banks in China has been gradually abroad, on a global scale for strategic layout. In recent years, China’s commercial Banks to expand overseas has made certain progress, increasing number of overseas branches, but relative to the HSBC, citigroup and other international leading global Banks, commercial Banks in China no matter in foreign assets accounted for, the profitability of foreign institutions, or business integration and the degree of localization and so on, have a big gap. So the operation path and mode of the internationalization of China’s commercial Banks, to understand the international stage and clear the international status of Chinese commercial Banks, face periodic problem and guide international selection has the practical significance. In addition, in the process of bank transnational management, the pattern of bank internationalization occupies an important place in the transnational business in the bank, is almost overseas business strategy the key to the success or failure.This article first reviewed the related concepts and theories of commercial bank internationalization, through an investigation into the current situation of our country commercial bank internationalization research, summarizes the existing problems. Second, Europe and the United States and Asian countries chose a comparative study on internationalization of commercial bank’s case, through the analysis of the internationalization process and characteristics of draw relevant experience and lesson, for our country commercial bank nationalization path selection to provide reference and reference. Finally, in view of China’s commercial bank’s actual situation, proposed our country commercial bank internationalization mode selection Suggestions:promote the reform of our country commercial bank, to build our country commercial bank internationalization strategy system, perfect the financial supervision and to develop the international financial personnel.