The Revelation Of Foreign Banks In The Internationalization Path Of China's Banking Sector

With the increasing opening of Chinese market, the economic and financial dependency also increase gradually, International operations of commercial banks has turned out to be an unavoidable major issue during banking industry development. State-owned commercial banks occupy the core position in China's banking industry. Therefore, the internationalization of state-owned commercial banks will impose a demonstration effect on other banks. In such a situation, making a study of State-owned commercial banks in China has important practical significance.This article is divided into four parts. First, the article introduces the research background, research status, subjects, research significance and creation. Secondly, this article introduces the theory of international business from the fundamental research of international banks. It generally introduces the concept of international banks. Then it explains the motives theory of international banking. It includes: Laghman internal theory, Dunning's eclectic theory of international production, Herbert Grubel ? dominance theory and the theory of boot effect. The third part, taking Citibank, Standard Chartered Bank, HSBC and DBS Bank as examples, it analyzes international development and characteristics, so that we can get some inspiration to promote our internationalization of commercial bank from the development of international banks. Then, the paper analyzes the internationalization status of state-owned commercial banks, and aiming at which, it points out the existent problems. Fourth, this paper analyzes the degree of internationalization and problems of state-owned commercial banks at this stage. Based on the earlier analysis of major international commercial banks, we can sum up the internationalization of China's commercial banks Choice. Internationalization is the inevitable choice for commercial banks. To improve the current situation of international commercial banks in China and to accelerate the process of internationalization, t he author puts forward three proposals for the International Commercial Bank of China.First, selecting the appropriate path for international business, including: on mode selection, basing mainly on bank mergers and acquisitions; on location selection, basing mainly on Asia; and the "internationalization" of commercial banks and the enterprises developing coordinately. Second, strengthening policy support on China's commercial banks, including: Constructing the strategic platform of Commercial Banks to promote the conversion of commercial banks from separate operation to mixed operation. Third, constructing risk monitoring system of commercial bank, including: business process risk, regulatory approach to establish risk and strengthening the monitoring of home country to the overseas branches.formulation of development strategies from both aspects : the external environment and the bank itself.