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在对外资银行全面开放人民币业务的宏观背景下,就其对国内住房贷款市场和中资银行住房贷款业务可能产生的影响进行了深入探讨,分析了外资银行在经营理念、产品种类、定价经验、销售策略和服务水平等多方面的优势,并对中资银行提出了有关对策建议。
Under the macro-level background of fully liberalizing RMB business for foreign-funded banks, this paper discusses in depth the possible impact on the domestic housing loan market and the home-loan business of Chinese-funded banks, and analyzes the influence of foreign banks on business philosophy, product type, pricing experience, Sales strategy and service level, and many other advantages, and the Chinese banks proposed countermeasures and suggestions.