本文在考察中国商业银行国际化现状与不足的基础上,结合当前银行业市场竞争格局和监管制度演化特征,提出市场拉动和监管助推是商业银行国际化最为关键的两个驱动力:从中国金融业深化改革的变化趋势看,市场需求将是商业银行国际化的最根本驱动力,企业"走出去"数量的增加、并购方式的频繁采用和企业"走出去"水平的不断提高,极大地促进商业银行传统业务的跨境发展和开发新业务;银行业监管机构通过完善监管政策、提高监管水平和放松管制等,有利于培育银行业良好的竞争环境、提高经营效率和规范业务创新,进而促进商业银行国际化。
Based on the analysis of the status quo and lacks in the internationalization of Chinese commercial banks, the market competition and the characteristics of the evolution of regulatory systems, this paper argues that market drive and regulatory promotion are the most key forces to drive the internationalization of commercial banks. Considering the trend of the deepening reform of Chinese financial sector, the market demands will be the most fundamental force. The increase in the quantity and level of enterprises that operate overseas, frequent use of mergers and acquisitions will greatly promote commercial banks to develop cross-border traditional business and new business. That banking regulatory agencies improve regulatory policies and levels, and reduce regulation, etc. is conducive to constructing a good competitive environment for banking sector, improving operational efficiency, regulating business innovation, and so as to promote the internationalization of commercial banks.