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洋务运动时期,外资银行实力及影响力的飙升虽与不平等条约赋予外资银行的“超国民待遇”有关,但主要还是得益于中外贸易发展内生金融市场的扩大、外资银行组织制度在内部治理及厚集资本上的优越性、外资银行较高的管理水平及业务创新能力、较审慎的经营方式、投资者认可的信誉、华人为寻求产权保护和资产增值而踊跃附股外资银行等因素,其中的微观因素也可为我国现阶段的银行所借鉴或引以为戒。
During the Westernization Movement, although the strength and influence of foreign-funded banks soared in spite of the “super-national treatment” granted to foreign banks by the unequal treaties, they mainly benefited from the expansion of the endogenous financial markets for the development of foreign trade and foreign-funded banking organizations. Superiority in internal governance and capital accumulation, higher management level and business innovation capability of foreign-funded banks, prudent operation mode, prestige recognized by investors, and Chinese foreign capital bank actively seeking for protection of property rights and asset appreciation And other factors, the micro-factors which can also be used for reference in our country’s banks or take warning.