中文摘要：

受金融危机影响，美国甚至全球的金融业都进入了一个低谷。欧美许多大型金融机构资产贬值，价值被低估，股价也出现大幅下挫。可以说，流动性充沛的中国金融企业迎来了并购的良机。但受国内金融市场发展程度和金融企业自身能力限制，跨国并购之路并非一帆风顺。本文对比分析了国内金融企业在跨国并购中的机遇与挑战，并进一步通过案例分析，总结了并购中的经验教训，得出中国金融企业在金融危机背景下的海外并购应持谨慎态度，不可盲目抄底。目前，中国金融企业最重要的是把国内的业务做好，等待时机。确保金融业稳定比什么都重要。

英文摘要：

Finance industry of America even the whole world has sunk into a trough due to the financial crisis. Many huge financial institutions in American and European are going through a process of assets depreciating, which are undervalued much. What＇ s more, the stock price has and are declining seriously. We can say that the liquidity-abundant Chinese financial institutions are facing an excellent M＆A opportunity. However, because Chinese financial institutions and financial market is developing at a relatively low level, the road on cross-border M＆A may be not smoothly. The paper summarizes the lessons and experience by case analysis. And then describe the advantage and disadvantage by comparison. Finally we draw such conclusion that if the Chinese financial institutions decide to take part in the tide of M＆A, their attitude must be prudent, but not reckless. Now, the most important thing that Chinese financial institutions should do is to pay much more attention to domestic business and wait for the opportunity. Financial stability should be always given the priority to anything.