经历始于2008年的全球金融危机，人们切实感受到全球金融的联动愈加紧密，在金融危机面前，哪个国家的银行业都无法独善其身。

Experience in 2008 the global financial crisis,People to feel the global financial the linkage of the increasingly close,Before the financial crisis,Which country's banking can possess.

　　昨日上午，国际货币基金组织（IMF）副总裁朱民在2012第六届中国银行(601988,股吧)家高峰论坛上表示，全球化产生的外部冲击影响，是银行业面临的特别重要的外部环境变化。

Yesterday morning,The international monetary fund(IMF)Vice President ZhuMin in 2012 the sixth China bank(601988,guba)Home peak BBS on Wednesday,Globalization from the external impact,The banking industry is facing the special important external environment change.

　　朱民指出，外部冲击对新兴国家国内产出的影响正变得越来越大，危机以前，外部冲击对本国工业产出的波动影响是30%，在危机以后，已经达到了60%。发达国家外部冲击对国内产出的影响以前是20%，现在是40%。而外部股票市场可以影响当地的股票市场波动，相关度达到80%。

ZhuMin pointed out that,External shock to emerging countries domestic output influence is becoming more and more big,Crisis before,External impact of its industrial output fluctuation influence is 30%,After the crisis,Has reached 60%.The developed countries external impact on domestic output effect was 20%,At present it is 40%.While the external stock market can influence the local stock market fluctuation,Degree of correlation reached 80%.

　　谈及外部冲击对银行业的影响，朱民分析认为，股票市场的波动，影响了银行客户和银行自身的资产负债表以及资产质量。而外部市场的冲击，不仅会影响国内产出的波动，同时也会影响到银行客户的盈利以及客户的波动，对银行的财务指标都会有一个很大的影响。

Talk about the external impact effect on banking,ZhuMin analysis think,The stock market fluctuation,Influence of the bank customer and a bank's balance sheet and asset quality.And the impact of the external market,Not only will affect domestic output fluctuations,At the same time can also affect the bank customer profitability and customer fluctuation,To bank financial index will have a big impact on.

　　根据朱民提供的数据，过去40年，全球真实的GDP增长了4倍多，而全球贸易额增长了11倍，与此同时，银行业的资产增加了14倍，全球货币总量增加了40倍。过去40年经济的增长，主要是靠金融和贸易推动的全球化发展，给全球带来了深刻的变化。

According to the data provided by the ZhuMin,Over the past 40 years,Global real GDP growth four times more,While the global trade growth 11 times,meanwhile,Banking assets increased 14 times,Global monetary aggregates increases the 40 times.Over the past 40 years of economic growth,Basically is to rely on financial and trade to promote the development of the globalization,To the global has brought profound changes.

　　“所以任何银行家在今天考虑问题的时候，都得同时关注本国的市场以及国际市场，在一定意义上，国际市场的冲击对银行的资产负债表、收入表、现金流量等变化影响，可能还要大于本地市场对这家银行的影响。”朱民称。

"So any banker in today when considering problems,All at the same time focus on domestic market and international market,In a certain sense,The international market impact on bank balance sheets/Income table/Cash flow changes, etc,May also greater than the local market for the bank's influence."ZhuMin says.

　　对于银行业未来的挑战及机会，朱民表示，无论是国际性的全球银行，还是一个本地的国有银行，全球的波动、全球的竞争是对当代银行业、对当代银行家最主要的挑战，他同时指出，全球经济金融的变化和冲击，也给银行业提供了巨大的机会，但是需要银行将本地市场和全球经济金融变化结合好，才能够把握住机会。

For banking future challenges and opportunities,ZhuMin said,Whether international global bank,Or a local state-owned Banks,The global wave/The global competition is to contemporary banking/To contemporary bankers the main challenge,He also pointed out that,The global economic and financial changes and impact,Also give banking provides a great opportunity,But need the bank will local market and global economic and financial changes combined with good,To grasp the opportunity.