摘要
近年来外资入股中国商业银行案例不断增多,其进入动机可以分为追求银行的绝对控股权、获取分红收益、改造后转手卖出获利三大类。外资与国内商业银行合作的方式主要有两种:一是双方通过签订合作协议等形式在业务和技术支持等方面进行合作,二是签订投资入股战略合作协议。外资入股有利于中国商业银行提高资本充足率、降低不良资产比率、促进金融产品创新、改善商业银行内部管理。
In n recent years, more and more foreign financial companies invest in the Chinese commercial banks. Their motives are pursuit of absolute control of the bank, to obtain the dividend income and the profits after transformation resold. Foreign and domestic commercial banks have two ways to cooperate： First, both sides signed a cooperation agreement in the form of business and technical support, cooperation and second, signed an investment stake in the strategic cooperation agreement. Foreign ownership is advantage for Chinese commercial banks to raise their capital adequacy ratio, reducing non-performing asset ratio, promoting the financial product innovation and improve the internal management of commercial banks.
出处
《特区经济》
北大核心
2010年第4期75-76,共2页
Special Zone Economy
基金
教育部人文社会科学研究2008年度一般项目<我国商业银行治理结构与绩效
风险控制研究>(08JC790046)的资助
关键词
外资入股
中国商业银行
动机
影响
Foreign ownership
Chinese commercial bank
Motives
Effect
