文档介绍：浅析外资银行对住房贷款市场的影响及中资银行的策略探讨
摘要:2006年12月11日起实施的《外资银行管理条例》向外资银行开放了境内公民的人民币业务,取消了其开展人民币业务的地域和客户限制,对外资银行实行了国民待遇。虽然按照目前的行政许可程序和申请内容,外资银行完成转制和业务申请将需1至3个月,但外资银行开办人民币业务的现实,意味着外资银行将对国内金融市场产生全方位的冲击,对时下各家中资银行竭力拼抢的住房贷款市场更是影响深远。
关键词:外资银行;住房贷款;中资银行
Abstract: December 11, 2006 implemented the "Regulations on the Management of foreign banks," opened up to foreign banks RMB business in the territory of the citizens, the abolition of its RMB business to carry out the geographical and customer restrictions on foreign banks to implement a national treatment. Although under the present administrative licensing procedure and content of the application, complete the conversion of foreign banks and business applications will need 1-3 months, but foreign banks to operate renminbi business reality, means that foreign banks will have a domestic financial markets a full range of shocks, each of the current Chinese-funded banks are pushing to the housing loan market is far-reaching influence.
Keywords: foreign banks; housing loans; Chinese-funded banks
1、外资银行的优势与对住房贷款市场的影响
欧美、香港等地的外资银行普遍将住房贷款定位为零售银行业务的关键产品,并以此建立起多种零售金融产品和服务的平台,以争夺更多的个人客户资源和零售业务市场。这是因为住房贷款不但年限长、坏账率低,可以带来稳定的利差收入,还可以作为客户营销工作的切入点,带动诸如个人理财、信用卡、消费信贷、代理保险业务等零售金融产品,达到扩大业务规模、巩固客户资源和增加附加利润的目的。外资银行对住房贷款产品的深刻认识与准确定位,使其在经营过程中自觉地将政策和资源向该产品进行倾斜,并不遗余力地以此为阵地争夺零售市场。
外资银行的住房贷款产品与服务种类丰富、功能齐全,能够充分满足客户的融资和理财等多种服务需求。例