本币路径依赖与中资商业银行国际业务的发展

Abstract

在世界经济一体化、金融全球化和我国加入WTO的背景下,银行的国际业务对人民币业务的示范和借鉴作用越来越大,国际业务对商业银行未来的生存和发展的重要性凸显。但是,长期以来中资银行已形成了对人民币业务的路径依赖,国际业务的经营能力较弱。本文运用路径依赖理论,分析中资银行对本币路径依赖的产生、发展情况及其表现,探讨了大力发展国际业务,增强中资银行整体的生存和发展能力的路径。

Under the circumstances of international economic integration, financial globalization and China's entry into the WTO, the demonstration effect and references of international banking businesses to RMB businesses become greater and greater, thus the importance of international businesses is becoming increasingly prominent in the future survival and development of China's commercial banks. China's commercial banks, however, have formed RMB path dependency for a long time, thus their international businesses capacity is weak. Based on path dependency theory, the paper analyzes the coming into being, development status and manifestation of RMB path dependency of China commercial banks. It explores the path for China's commercial banks to greatly develop international businesses, enhance the abilities of the banks to survive and develop.