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The Opportunities and Challenges Brought to China Private Banking Business by RMB Internationalization Progress

Author: JiaoJie
Tutor: HuangFan; YuFan
School: Shanghai Jiaotong University
Course: Business Administration
Keywords: RMB internationalization progress private banking
CLC: F832.33
Type: Master's thesis
Year: 2013
Downloads: 104
Quote: 0
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Abstract


During the progress of China economical reform, China regulatorschose the way of indirect financial control instead of the direct way torelax restrictions imposed towards China market step by step based on itsstable economic development from the experience of internationalfinance development. The accelerating RMB internationalization isclosely related to banking industry. Since2005, Chinese banks havestarted private banking business, which helps those high net worthfamilies to have more customized products and service. Regarding to therising number of clients and their more dynamic demand, whether RMBinternationalization will be good or not for China private bankingbusiness? How to catch the opportunities and meet the challenge whenthey face the fierce competition with foreign banks becomes a big issue.The paper is going to elaborate the solution according to the analysis onthe opportunities and challenge brought by RMB internationalization toChinese banks in five years.Firstly, through the research and study on monetaryinternationalization and development of private banking, this paper triesto understand the historical changes of RMB internationalization andprivate banking business by connecting the international experience withthe status quo of Chinese market. Based on current China economicsituation and government policy, the forecast assumes the differentprogress of RMB internationalization in five years in order to figure outwhether the demand of private banking business will have a big changewhen capital account achieves certain level. Then the paper continues todiscuss what kind of causes and influences will be for China privatebanking business when some changes happen. Furthermore, I studied onhigh net worth clients who have no less than3million investable assets by sampling questionnaire. Through independent and cross analysismethodology, the paper discusses more in depth of the challenges andopportunities faced by China private banking business. In addition,looking back the methods used by government, and combine with currentfinancial environment, the paper goes further on the expectation of thetrend that China government may take some policies on financialsupervision in five years. The solution is also given out based on theexpectation.According to the analysis on questionnaire, most investors willchoose to allocate more than20%assets on foreign investment in fiveyears with the development of RMB internationalization. The foreignbanks have the priority when the investors consider the foreigninvestment. Compared with the environment of foreign investment,90%of the investors recognize China as a good market for investment. Withincreasing liquidity through QDII, foreign banks in China are also morecompetitive. And therefore, the paper concludes that China governmentwill encourage more Chinese companies to go abroad with RMBinternationalization, which is good for China banks in five years. Chinabanks can improve their performance through M&A, IndependentCorporation and Joint Venture. For foreign direct investment, Chinagovernment may encourage local banks to improve their productinnovation and service through relaxing certain policies. During theprocess, China government needs to spend more effort on completingfinancial supervision, which incentives the development of China privatebanking business.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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