闫冰竹－中国企业联合会副会长、北京银行股份有限公司董事长 闫冰 bamboo - the China enterprise confederation vice President、Beijing bank co., LTD., chairman of the board of directors

    和讯网消息 8月22－23日，由香港中国商会主办的第二届中国海外投资年会在香港召开。全国政协副主席黄孟复、香港行政长官梁振英等出席了会议。

    HeXunWang news on August 22-23，By the Hong Kong Chinese chamber of commerce sponsored by the second session of China's overseas investment conference held in Hong Kong。Vice chairman of the CPPCC national committee HuangMengFu、The Hong Kong chief executive LiangZhenYing etc attended the meeting。

    在23日主题为“全球资源共享  投资双向互动”的主论坛上，中国企业联合会副会长、北京银行股份有限公司董事长闫冰竹表示，中国银行(601988,股吧)业目前境外投资的比重还很低，中国银行业面临加快国际化的内在动力和外在压力。

    In 23 theme“The global resources sharing  Investment the bidirectional interaction”Lord BBS on，Vice President of the China enterprise confederation、Beijing bank co., LTD., chairman of the board 闫冰 bamboo said，The bank of China(601988,guba)Industry at present the proportion of overseas investment is still very low，The Chinese banking industry faces to speed up the internationalization of the inner force and external pressure。

    闫冰竹表示，中国已经深度融入全球经济发展的供应链，伴随中国成为世界第二大经济体，中国经济已经与世界经济深度融合，不仅包括全球产品的制造加工，也包括人力资源的全球引进，矿产资源的全球开发，市场资源的全球开拓等等。截至2011年末，已经有1.3万家中国境外投资者，在全球178个国家和地区，设立了1.9万余家境外投资机构，在世界500强企业中，中国内地占到了73家。闫冰竹预计目前海外投资和吸引外资1：2的比重将在2015年前后升至为1：1。

    闫冰 bamboo said，China has depth into the global economy development of the supply chain，Along with China to become the world's second largest economy，China's economy is already and the world economic depth fusion，Includes not only global product manufacturing processes，Also includes human resource of global introduction，Mineral resources of global development，The market resources of global development and so on。By the end of 2011，Have 1.3 Chinese foreign investors，In 178 countries and regions，Set up more than 19000 overseas investment institutions，In the world top 500 enterprises，Mainland China accounted for 73。闫冰 bamboo expect the current overseas investment and attract foreign capital 1：The proportion of 2 will be around 2015 to 1：1。

    闫冰竹指，目前，中国银行业资产总量高达125万亿人民币，但银行业境外投资占中国企业对外投资的比重还很低，中国银行业面临加快国际化的内在动力和外在压力。金融风险也将倒逼银行国际化，银行是经营风险的特殊企业，银行国际化是金融风险的国际化，通过推动国际化发展，商业银行可以突破国内市场限制，实现区域互补，业务互补，更好地分散区域市场波动所引发的金融风险，确保稳定收益，维护品牌声誉，提升品牌形象。

    闫冰 bamboo refers to，At present，China banking asset amount reaches as high as 125 trillion yuan，But banking of China's overseas investment of foreign enterprises the proportion of investment is still very low，The Chinese banking industry faces to speed up the internationalization of the inner force and external pressure。Financial risk will also DaoBi bank internationalization，Bank is the business risk special enterprise，Bank internationalization is the internationalization of financial risk，Through the promote internationalization development，Commercial Banks can break through the limit in the domestic market，Realize regional complementary，Business complementary，Better dispersion regional market fluctuation caused by the financial risks，To ensure a stable income，Maintenance brand reputation，Enhance the brand image。

    以下为文字实录：     The following is a text memoir：

    闫冰竹：尊敬的经纬主席、各位嘉宾、女士们、先生们、朋友们，非常高兴来到璀璨的东方之珠，参加2012年中国海外投资年会，今年正值香港回归祖国15周年，香港回归15年的辉煌成就赢得了全球的赞誉，未来的长期繁荣稳定也受到举世瞩目，特别是香港作为引进外资的最大来源地和对外直接投资的首选市场，选择在此深入探讨全球资源共享，投资双向互动这一论坛主题，具有更加重要的意义。下面，我想围绕论坛主题，从宏观和微观，行业和企业，认识和实践等几个层面，谈如下观点。

    闫冰 bamboo：Respect of warp/weft chairman、guests、ladies、gentlemen、friends，Very happy to be bright pearl of the Orient，In the 2012 annual meeting of China's overseas investment，This year at the 15th anniversary of Hong Kong's return to the motherland，The return of Hong Kong to 15 years of brilliant achievements won the global recognition，Future long-term prosperity and stability have also been has drawn the attention of the world，Especially in Hong Kong as the biggest in introducing foreign capital source and foreign direct investment choice for business，Selection in the further discussed the global resources sharing，Investment the bidirectional interaction this BBS theme，Has the more important meaning。the，I think around BBS theme，From the macro and micro，Industries and enterprises，Understanding and practice and so on several aspects，Talk about the view。
    一、人类社会已经迈入全球资源共享的崭新时代。经济发展是推动人类社会进步的物质基础，在经济全球化时代，国家和地区之间的经济依赖程度不断提高，必然要求最大程度地优化资源、全球资源，同时伴随中国经济加速崛起，必须以国际的视野，开放的心态，积极参与和推动全球资源共享。当前，从波音飞机的制造和苹果手机的生产，都离不开全球化配置资源，这是一个更加平坦化的世界。世界是平的，带来了更广阔的市场，更丰富的客户和更难得的机遇，也带来了更残酷的竞争，更复杂的风险和更多样的挑战。世界是平的，要求我们不仅要充分利用土地、原料、能源、环境、资金等旧资源，而且要努力共享信息、知识、技术、标准、人才、管理等新资源。我们需要更加理性、公正和创造性的智慧，迎接全球资源共享的崭新时代。中国已经深度融入全球经济发展的供应链，伴随中国成为世界第二大经济体，中国经济已经与世界经济深度融合，不仅包括全球产品的制造加工，也包括人力资源的全球引进，矿产资源的全球开发，市场资源的全球开拓等等。截至2011年末，已经有1.3万家中国境外投资者，在全球178个国家和地区，设立了1.9万余家境外投资机构，在世界500强企业中，中国内地占到了73家。

    a、The human society has been entering a new era of global resources sharing。Economic development is to promote the progress of human society, material base，In the era of economic globalization，National and regional economic dependence on continuously improve，Inevitable requirement to optimize the resources to the greatest extent、The global resources，At the same time with China's economic rise of acceleration，Must be in the international field of vision，An open mind，Actively participate in and promote global resources sharing。The current，From Boeing aircraft manufacturing and apple mobile phone production，Globalization is inseparable from the allocation of resources，This is a more flattened world。The world is flat，Bring a broader market，The more rich customers and more rare opportunities，Also brought more brutal competition，The risk of more complex and more variety of challenges。The world is flat，Requires that we should not only make full use of land、Raw materials、energy、environment、Funds and so old resources，And try to share information、knowledge、technology、standard、talents、Management and other new resources。We need to be more rational、Justice and creative wisdom，To meet global resource sharing of the new era。China has depth into the global economy development of the supply chain，Along with China to become the world's second largest economy，China's economy is already and the world economic depth fusion，Includes not only global product manufacturing processes，Also includes human resource of global introduction，Mineral resources of global development，The market resources of global development and so on。By the end of 2011，Have 1.3 Chinese foreign investors，In 178 countries and regions，Set up more than 19000 overseas investment institutions，In the world top 500 enterprises，Mainland China accounted for 73。

    尽管中国面临从“中国制造”向“中国创造”、“中国服务”转型等诸多挑战，但是我们已经看到，开放的中国需要世界，世界的发展离不开中国，投资双向互动成为中国未来发展的必然趋势。进入新世纪以来，随着“走出去”战略的实施，中国企业海外直接投资逐年提升，发展迅猛。2010年和2011年，中国企业对外直接投资突破了600亿美元，而2011年引入外资额为1200多亿美元，可以预期，目前海外投资和吸引外资1：2的比重将在2015年前后升至为1：1，一个依托国内外两个市场、两种资源，通过投资双向互动推动产业结构调整，实现资源配置优化的中国产业海外发展新格局正在形成。

    Although China faces from“Made in China”to“Created in China”、“China's service”Transformation, and many other challenges，But we have already seen，Open China needs the world，The development of the world cannot leave China，Investment two-way interactive become the inevitable trend of the development of China's future。Into the new century，with“Go out”The implementation of the strategy of，Chinese enterprises overseas direct investment promotion year by year，Developing rapidly。In 2010 and 2011，Foreign direct investment of Chinese enterprises exceeded $60 billion，And in 2011 for introducing foreign investment more than $1200，Can expect，At present overseas investment and attract foreign capital 1：The proportion of 2 will be around 2015 to 1：1，A rely on both domestic and overseas market、Two kinds of resources，Through the investment the bidirectional interaction to promote industrial structure adjustment，To realize the optimization of the allocation of resources industry of China overseas development new structure is formed。

    二、中国银行业面临国际化发展的动力和压力。金融是现代经济的核心，企业是经济发展的细胞，金融企业在资源优化配置中发挥着重要的作用。目前，中国银行业资产总量高达125万亿人民币，但银行业境外投资占中国企业对外投资的比重还很低，中国银行业面临加快国际化的内在动力和外在压力。

    two、The Chinese banking industry faces and the power of the development of international pressure。Finance is the core of modern economy，Enterprise is the cell of economic development，The financial enterprise in resource allocation optimization plays an important role。At present，China banking asset amount reaches as high as 125 trillion yuan，But banking of China's overseas investment of foreign enterprises the proportion of investment is still very low，The Chinese banking industry faces to speed up the internationalization of the inner force and external pressure。

    客户“走出去”，推动银行国际化，银行业发展的根本在于服务客户的需求。今年1—7月份，中国非金融类直接对外投资再创新高，同比增长了53%，达422亿美元，居发展中国家首位，累计投资已达3643亿美元。随着中国企业不断“走出去”，拓展海外市场，人民币国际化不断推进，客观上要求与之相适应的本土金融体系的拓展和延伸，全方位地满足客户金融需求，提升金融的服务能力。

    customer“Go out”，Promote the internationalization of Banks，The root of the banking industry is to serve the needs of customers。This year in July 1，China non-financial kind of direct foreign investment hit a record high，Growth of 53% year-on-year，Us $42.2 billion，In the developing countries，Accumulated investment has amounted to $364.3 billion。As China's enterprise constantly“Go out”，Expand overseas markets，RMB internationalization advancement，Objective to adapt to the requirements and local financial system development and extension，To meet the customers' comprehensive financial needs，Enhancement of financial service ability。

    自身发展壮大，要求银行国际化。近年来，中国银行业发展迅速，在全球十大商业银行中，中国独占4席。但银行业仍面临产品与服务单一，国际金融人才缺乏，电子经营手段落后等问题。只有加快国际化，直面竞争，在竞争中学习，才能在竞争中成长。

    Their own development，Require Banks to internationalization。In recent years，China's rapid development of the banking industry，In the world's ten largest commercial bank，China's monopoly 4 mat。But the banking industry still faces a single product and service，The lack of international financial talents，Electronic management problems such as backward。Only by speeding up the internationalization，Face competition，In the competition study，In the competition to grow。

    金融风险倒逼银行国际化。银行是经营风险的特殊企业，银行国际化是金融风险的国际化，通过推动国际化发展，商业银行可以突破国内市场限制，实现区域互补，业务互补，更好地分散区域市场波动所引发的金融风险，确保稳定收益，维护品牌声誉，提升品牌形象。

    Financial risks DaoBi bank internationalization。Bank is the business risk special enterprise，Bank internationalization is the internationalization of financial risk，Through the promote internationalization development，Commercial Banks can break through the limit in the domestic market，Realize regional complementary，Business complementary，Better dispersion regional market fluctuation caused by the financial risks，To ensure a stable income，Maintenance brand reputation，Enhance the brand image。

    金融危机蕴涵国际化的新机遇，受危机影响，国际金融市场受到不同程度的冲击，价值大幅缩水，这使得商业银行并购和设立分支机构的成本有所降低，走向国际化将具有更高的经济收益。同时，受困于恶劣的经济金融环境，许多国家监管和决策部门也适当放松了准入限制，有利于推动商业银行“走出去”的顺利进行。银行业国际化程度的高低和国际竞争力的强弱，是体现一国金融竞争力的重要方面，在全球资源共享的新时代，要求中国银行业积极顺应经济金融改革开放的大趋势，坚持把握境外业务与境内业务协调联动，综合经营与国际探索齐头并进，统一管理与差异化经营统筹兼顾，业务拓展与管理提升相辅相成等原则，开启国际化发展的崭新篇章。

    Financial crisis implication international new opportunities，Influence by the crisis，The international financial market by the impact of the different degree，Have slashed the value，This makes the commercial bank m&a and establish branches cost reduced，Towards internationalization will have higher economic returns。At the same time，Trapped in the bad economic and financial environment，Many countries supervision and decision department also appropriate to relax the access restrictions，To promote the commercial Banks“Go out”smoothly。Banking internationalization degree of discretion and international competitive strength，Is to reflect a country an important aspect of financial competitiveness，In the new era of global resources sharing，Requirements of the China banking actively conform to the economic and financial reform and open policy the big trend，Insist to hold business overseas and domestic business coordination linkage，Comprehensive management and international explore neck and neck，Unified management and differentiation business overall consideration，Business development and management principles of ascension supplement each other，Open the international development of new chapter。

    三、北京银行服务香港，走向国际的实践探索。

    three、Beijing banking services in Hong Kong，To go into the international practice exploration。

    作为一家中外资本融合的现代化上市银行，北京银行抢抓祖国改革开放和北京建设中国特色世界城市的历史机遇，不断推进品牌化、资本化、国际化发展。特别是在2008年，北京银行界第十二届京港洽谈之机，成功设立了香港代表处，以此为起点，北京银行不断取得了国际化发展的创新飞跃，创造了国际化的经营业绩。通过坚持不懈地改革创新，北京银行各项经营指标均达到国际银行业先进水平。目前，北京银行的总资产已经达到1.1万亿，年度盈利超过100亿元人民币，人均净利润超过了100万元，资本充足率13.8，不良贷款比例0.53，成为中国人均创利能力最强，经营管理业绩最优的上市银行。

    As a Chinese and foreign capital fusion modern listed Banks，Beijing bank catch the motherland reform, opening up and Beijing construction of Chinese characteristic of world city historical opportunity，Continuously push forward the brand、capitalization、Internationalization development。Especially in 2008，Beijing banking the 12th Beijing port negotiation of the machine，Successfully set up representative office in Hong Kong，From this starting point，Beijing bank continuously achieved internationalization development of creative leap，Created the international business performance。Through the unremitting ground reform and innovation，Beijing bank various business indexes reached the international advanced level in the banking industry。At present，Beijing bank's total assets is 1.1 trillion，The annual profit of more than 10 billion yuan，Per capita net income of more than 1 million yuan，Capital adequacy ratio 13.8，Non-performing loan ratio 0.53，China's per capita become the strongest profitability，The optimal management performance of the listed bank。

    探索了国际化的合作模式，在经济全球化、金融国际化的时代大背景下，北京银行以完全国际化的理念，成功引入国际知名的荷兰艾立（谐音）集团和世界银行旗下的国际金融公司作为境外投资者，开启了国际金融合作的崭新篇章，7年来，双方坚持信任与尊重为前提，开放包容为基础，在公司治理、风险管理、业务创新、信息科技人才培训等方面，展开了全方位的合作，实现了资本、文化、理念、机制、技术的全面融合，真正实现了互利共赢。以双方战略合作为依托，北京银行被誉为中国公司治理、风险管理的模范银行，成为中国创新能力较强，成长潜力较大的国际化中型银行，境外战略投资者ING也从合作中收获了丰厚的回报，在中国市场的竞争力、影响力显著得到了提升。双方富有成效的战略合作，被荷兰首相誉为中荷乃至中欧金融合作的成功典范，并受到党和国家多位领导人的高度赞誉。

    Explore the international cooperation pattern，In the economic globalization、The era of financial internationalization background，Beijing bank to complete the concept of internationalization，Success into international famous Dutch YiLi（homophonic）Group and the world bank's international finance corporation as foreign investors，Open the international financial cooperation in the new stage，In the past seven years，Both sides adhere to the trust and respect as the prerequisite，Open tolerance as the foundation，In the corporate governance、Risk management、Business innovation、Information technology training, etc，Launched an overall cooperation，Realized capital、culture、concept、mechanism、Technology comprehensive fusion，Really realize the mutual benefit and win-win results。By the parties based on strategic cooperation，Beijing bank known as China's corporate governance、Risk management model bank，Become China's innovation ability is strong，Growth potential of the internationalization of large medium sized Banks，Foreign strategic investors ING from cooperation also harvested the generous returns，In the Chinese market competitiveness、Influence significantly improved。The effective strategic cooperation，Is the Dutch prime minister in charge and central Europe as the successful model of financial cooperation，And by the party and state leaders more than the high praise。

    搭建了国际化的业务网络，以设立香港代表处为起点，北京银行于2010年走进欧洲，设立荷兰阿姆斯特丹代表处，成为中国第一家进入欧洲的中小银行，同时发起设立中国第一家消费金融公司，将国际新型消费金融理念引入中国，合资设立中荷保险公司，成为国务院批准中小银行设立保险机构的首批试点单位。积极探索综合化、多元化发展模式，目前北京银行已经在国内10多个大中城市和香港代表处、荷兰代表处等机构，与全球130多家银行建立了代理行关系。伴随北京银行走出北京，走进香港，走向国际，品牌影响力和国际知名度持续提升，在2012年英国银行家杂志公布的全球1000家大银行最新排名中，北京银行按一级资本排名第132位，在世界品牌实验室最新公布的中国500最具价值品牌排行榜上，北京银行品牌价值超过100亿元，位居中国银行业第九位。同时，北京银行连续4年在亚洲140余家零售银行中脱颖而出，被亚洲银行家评为中国最佳城市零售银行。优异的业绩，卓越的表现，打造了北京银行国际化的优质品牌。

    Set up the international business network，Established in Hong Kong representative office as a starting point，Bank of Beijing in 2010 into Europe，Set up representative office in Amsterdam, the Netherlands，Became the first Chinese enterprise to enter Europe's small and medium-sized Banks，At the same time to launch the first Chinese a consumer financial company，Will the international new consumer financial concepts into China，Set up a joint venture insurance company in charge，Become small and medium-sized Banks approved by the state council set up the first batch of insurance institutions pilot unit。Actively explore integration、Diversified development mode，At present Beijing bank has more than 10 large and medium-sized cities in China and Hong Kong representative office、The Dutch institutions such as representative office，With the global more than 130 Banks established the agency relationship。With Beijing bank out of Beijing，Into Hong Kong，To go into the international，Brand influence and international popularity continued ascension，In 2012 English banker magazine declared a global 1000 big Banks in the latest rankings，Beijing bank according to the level of capital ranked 132th，In the world brand laboratory of the latest China's 500 most valuable brands list，Beijing bank brand value more than 10 billion yuan，In the China banking ninth。At the same time，Bank of Beijing four consecutive years in Asia more than 140 retail bank to the fore，The Asian banker was awarded as the best city of China retail bank。Excellent performance，Outstanding performance，Make the Beijing bank international high quality brand。

    北京银行的上述国际化探索，市场化的运作，只是中国众多中小银行尝试“走出去”战略的一份见证，一个缩影，借此机会，我也呼吁在中国海外投资的战略布局中，在实现全球资源共享、推进投资双向互动的伟大进程中，希望社会各界能从舆论引导、政策的倾斜，税收优惠等各方面更多地关注，更好地发挥众多中小银行和广大中小企业的作用，进一步激发海外投资的活力，提升资源配置的效能，更好地服务国家，繁荣香港，促进全球经济共同发展。

    Bank of Beijing the international exploration，Marketization operation，But China's small and medium-sized Banks try to“Go out”Strategy of a witness，A miniature，Take this opportunity to，I also calls for China's overseas investment strategy layout，In realizing the global resources sharing、Promote investment the bidirectional interaction in the process of the great，Hope the social from all walks of life can from public opinion guide、policy，Preferential tax and so on various aspects more attention to，Better to play a small and medium-sized Banks and the role of the small and medium-sized enterprises，Further arouse the vitality of overseas investment，Improve the efficiency of resource allocation，Better service to the country，Prosperity Hong Kong，Promote the global economy common development。

    紫荆花开、香飘九洲，香港背靠祖国，面向世界，拥有最聚集的金融资源、最活跃的资本市场、最便捷的基础设施，最优越的投资环境，是中国企业走向国际最重要的平台。作为中国的中小银行，我们愿意为服务香港繁荣稳定，促进投资双向驱动，实现全球资源共享，贡献全部的智慧和力量。最后，祝愿本届年会取得丰硕成果，获得圆满成功，谢谢大家。

    Bauhinia open、Joss-stick float jiuzhou，Hong Kong back motherland，Facing the world，Has the most gathered financial resources、The most active in the capital market、The most convenient infrastructure，The most superior investment environment，Is China's enterprises to go into the international most important platform。As China's small and medium-sized Banks，We are willing to service for the prosperity and stability of Hong Kong，Investment promotion two-way drive，To realize the global resources sharing，Contribution of all wisdom and power。finally，Wish this conference have yielded substantial results，Has come to a successful conclusion，Thank you。