アジアの銀行による金融FDI : スーパーリージョナルバンクの形成
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This paper presents an overview of the trend of financial FDI, which have been conducted by Asian banks. After the Asian currency crises, not only restructuring but also opening-up of banking sector in transition countries such as China and Vietnam have caused the inflow of financial FDI from overseas. These trends may affect a competitive structure in the banking industry; however, little attention has been paid to the financial FDI in Asia. Hence, this paper presents an overall view of the financial FDI in terms of a study for multinational bank. Investigating recent FDI reveals three features of this trend. First, most targets for acquisition are banks in Asia. We witnessed some acquisitions in Indonesia and Thailand, which were caused by the Asian currency crises. Furthermore, the accession of World Trade Organization stimulated Chinese and Vietnamese authorities to open up the banking industry, thereby attracting foreign banks as strategic investors. Second, financial FDI aims to compete for customers such as local firms and people. Technical assistance to strategic partner covers areas of personal loans and credit card businesses. Besides, banks invested from foreign banks have wide range of sales and customer bases. These observations imply that multinational banks in Asia targeted local markets. Third, super regional banks came into existence. This situation was not expected before this study began. Three banks headquartered in Singapore geographically disperse business base. Over 30％ of the earnings come from the Asia-Pacific region. Our next area of focus is to determine the economic consequences of the new trends examined here.
- 2010-07-20
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