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留学生毕业论文:中国金融系统的改革与发展研(35)

 Asset quality

The HSBC bank is the foreign banks, when they entry into China, they will improve the quality, and availability of financial services in the domestic financial market by enabling the application of more modern banking skills and technology (Levine, 1996) According to research by the HSBC, it is not has the NPLs ratios, so for there, use the loan impairment charges and other credit risk provisions to comparison. In 2007, the HSBC loan impairment charges to customer advances were RMB 1,041 million. For the CCB, the provisions made for impairment losses on loans and advance were RMB 20,106 million, the allowances for impairment losses on loans and advances to customers were RMB 88,928 million. the CCB’s assessed allowances were higher than the HSBC, reflecting higher customer lending volume, and releases and recoveries were lower. In 2007, the CCB improve the way to write-off the NPLs, compare with 2006, the CCB’s NPL decreased by RMB 9,299 million. In recent year, despite the CCB improve the risk management very quickly, the HSBC set the comprehensive framework, high technology, and experienced to risk control. So the asset quality of the HSBC was better than the CCB’s.

 Capital adequacy 

After the government injected capital and reform, the capital adequacy ratios were increased. In 2006, the capital ratio was 12.11% and in 2007 it was 12.58%. In 2007, the HSBC used the different way to calculated, so the numbers are therefore not strictly comparable. On the 2007 annual report analysis, the HSBC in 2006 the capital adequacy ratio was 13.5%, in 2007 this number was 11.6%. So the capital adequacy of these two banks hard to comparison.

7.4 SWOT analysis: foreign banks versus domestic banks 

The China’s WTO accession, give the Chinese financial system brings the opportunities and challenge to foreign banks and domestic banks. In this chapter provide the analysis about the CCB and HSBC, and compare and contrast them. There will use the SWOT analysis, give the summaries to each type of the banks.

7.4.1 Strength and weakness

The strength and weakness for the domestic banks and foreign banks were interacted in Chinese financial market. The domestic banks’ strength is weakness of the foreign banks. Contrarily, the strength of the foreign banks is the weakness of the domestic banks. In the Chinese financial market, the strength and weakness of the domestic banks and foreign banks in the following:

Table 21 the strength and weakness of domestic banks and foreign banks

Domestic banks Foreign banks

History Long (S) Short (W)

Exist consumer Large number (S) Small number (W)

Network Extensive (S) Limited (W)

Social culture Well-informed (S) Unfamiliar (W)

Services standards Low (W) High (S)

products Not too much (W) Diversity (S)

Market share High (S) Low (W)

Governance and risk management Weak (W) Advanced (S)

Political burden Heavy (W) Light (S)



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