改革开放以来,我国银行业的国际化业务稳步推进,但总体仍处于“起步”阶段。当前,我国银行业的国际化时机和条件已逐渐成熟,有望进入“崛起”阶段。银行国际化发展存在阶段性特征一般而言,银行业发展国际业务将带来明显的收益,比如规模和业务扩张不受本土限制、通过全面金融服务增强客户粘性、多元化市场和资产配置以分散风险和挖掘获利机会等。当然,银行国际化也面临较高的成本,主要包括固定投资成本、管理成本以及跨文化的协调等。但是,收 Since the reform and opening up, the banking business in our country has been steadily advancing its internationalization. However, the overall business is still in its “starting stage”. At present, the timing and conditions for the internationalization of China’s banking industry have gradually matured and are expected to enter the stage of “rise”. Staged Characteristics of Bank’s Internationalization Development In general, the development of international banking industry will bring obvious benefits such as scale and expansion of business from domestic restrictions, enhanced customer stickiness through diversified financial services, diversified markets and asset allocation to diversify Risk and mining opportunities for profit. Of course, bank internationalization also faces higher costs, mainly including fixed investment costs, management costs and cross-cultural coordination. However, close