金融中心打造進行時東亞銀行有備而來

文/本刊記者 李靜

金融中心打造進行時東亞銀行有備而來

文/本刊記者 李靜

重慶直轄這十幾年來，是重慶金融業發展最快的時期。無論是金融機構數量與種類、金融資產規模與質量，還是金融產業發展潛力與速度方面，都排在了西部十二省區市前列。

作為西部地區唯一的直轄市，重慶憑借強大的政策及區位優勢，正逐步成為我國長江上游的金融戰略樞紐和西南最大的多功能現代化國際都市，而得天獨厚的兩江交匯地理優勢也為重慶打造成為“長江上游金融中心”奠定了堅實的基礎。近年來，落戶重慶的外資銀行逐漸增多，越來越多外資金融機構競相進入重慶，金融街的打造也在如火如荼的開展中。

在建設重慶這座中國西部新興金融高地的大趨勢下，作為外資銀行的代表——東亞銀行自然不會放過重慶這個大市場，它正在為重慶經濟的發展扮演著重要的推動角色；東亞銀行重慶分行行長——來自香港的吳任斌先生是一個目擊者，見證著重慶的飛速發展；更是一個參與者，積極投入到重慶金融中心的打造中來。在與我們的談話中，他反復強調，“金融乃百業之母，一個地方金融業的高速發展對當地各行各業都起著舉足輕重的拉動作用。”

記者：東亞銀行重慶分行自 05年成立以來已有 5年時間，目前在重慶的發展狀態是怎樣的？你認為東亞銀行進駐重慶這幾年來帶給重慶市民最大的影響或者說在重慶發展最大的成就是什么？

吳任斌： 2005年 12月東亞銀行重慶分行正式成立，重慶成為東亞銀行在內地設分行的第十一個城市。從開業之初只經營外幣存、貸款業務，到07年下半年開始經營全面的人民幣業務，我們的業務發展經歷了數個階段，一直保持著良好的發展勢頭。隨著法人銀行——東亞銀行（中國）有限公司于 07年上半年的正式成立，全面的業務開放給予了東亞銀行重慶分行飛躍式發展的條件，也給予了東亞銀行重慶分行鋪設分支網點，把外資銀行的產品及服務推向重慶市民的機會。 2008年是我們銀行進入高速發展的快車道時期，各項產品渠道得以進一步的鋪設——東亞銀行成為全國首家推出人民幣借記卡和貸記卡的外資銀行。進駐重慶的這些年來，東亞銀行不斷地給予重慶企業和市民創新的融資及理財產品；同時，也注重加強同業間交流，與本地銀行相互學習，共同進步。

記者：在眾多落戶重慶的外資銀行中，東亞銀行的競爭優勢是什么？

吳任斌：銀行間的競爭，關鍵還是服務與產品的競爭，對客戶來說，哪家銀行產品好、服務好，就會選擇該銀行，是中資還是外資并不重要。目前，各銀行的競爭主要集中在優質及中、高端的客戶群。東亞銀行憑借著優越的服務和先進的產品，近年來，在外資銀行同業中，無論是存、貸款業務均居領先地位。

記者：如今國內銀行業對外資銀行全面開放，作為在渝外資銀行的一員，東亞銀行是如何定位發展的？

吳任斌：東亞銀行從 1918年在香港成立，到在上海成立首間分行，90多年來從未間斷在國內的業務。外資銀行本地化是必然的發展趨勢。我行也是第一批在國內注冊的法人銀行，因為我們一直以“扎根中國”、“服務全國”為發展理念，所以非常重視內地市場，為內地居民提供更多元化的銀行和金融產品及服務。而在國內網點設置規劃方面，在沿海地區網點成熟布局的基礎上，我們著力進軍中、西部及東北部，全面開拓內陸金融市場。

記者：重慶一貫被稱為“內陸小香港”，作為一個香港人，你是如何看待重慶與香港之間的經濟發展的？

吳任斌：香港作為亞洲金融中心，金融體系完善，各項金融業務開展方便、快捷，市場比較成熟，發展空間有限。相對來說，重慶金融發展雖較為落后，但近年已不斷吸引到世界 500強在內的大批企業和金融機構來渝投資，今后的發展空間很大。

作為西部地區惟一的直轄市，西南大開發的前哨，國務院已經確立將重慶建設成為長江上游金融中心的規劃目標，重慶享有獨特的政策優勢和區位優勢，國民經濟高速發展，經濟實力迅速增強。目前金融業態日趨齊全、成熟，形成了在西部地區法人金融機構最多、機構門類最齊全的金融體系，加上日益活躍的金融市場，已經形成了特色鮮明的優勢金融領域，城市功能定位不斷提升。在我看來，重慶這座城市已經展現出無限美好的發展前景。

記者：你既是東亞銀行重慶分行的行長，又是市政協委員，同時又擔任重慶港澳商會會長一職，身兼數職，責任重大，你是如何協調自己的身份，充分發揮不同的社會角色的？

吳任斌：身兼不同社會角色，看似互不關聯，但其實是息息相關的。銀行本身的社會職能，就是提供一個融資平臺去幫助客戶發展。由于銀行境內外網絡星羅棋布，客戶資源廣泛，并擁有各行各業的信息，銀行能提供很多客戶需要的資訊以作為他們尋求合作伙伴，到國內來投資或到海外去投資的參考。

而重慶港澳商會成立的重要目的就是以商會作為渝港兩地溝通的橋梁，宣傳重慶，吸引更多的港澳企業來渝投資；同時也推廣港澳，協助重慶的企業走出去。

作為關心重慶發展的一員，重慶市政協委員這個社會角色令我有機會為重慶市的經濟發展出謀劃策，貢獻綿力。政協港澳委員是聯系港澳群眾和政府的重要橋梁和紐帶，能為當地的發展建言、獻策。因此，我的角色更像是一個“代言人”的身份，不僅吸引和鼓勵了許多東亞銀行的盟友及優質客戶來到重慶投資落戶，也幫助更多重慶企業走出重慶，邁向國際舞臺。

As the on ly m unic ipa lity in the west o f China, by right o f the strong po lic ies and location advantage, Chongq ing is g radua lly becom ing the financ ia l strategy hinge o f the uppe r reaches o f Yang tze River and the b iggest m odern cosm opo litan c ity in southwest o f China. With the geog raphica l advantage as we ll, it has laid a so lid foundation fo r c reating the financ ia l cente r in Chongq ing.

In recent years, there are m any fo reign banks se ttled in Chongq ing, m ore and m ore foreign financ ia l institu tions estab lished in Chongq ing too, and the financ ia l s tree t b u ild ing is in p rog ress. As a rep resen tative o f foreign banks in Chongq ing, BEA bank is p laying an im po rtant ro le for the econom ic deve lopm ent o f Chongq ing. The Genera l Manage r o f BEA bank Chongq ing b ranch, Vic tor from Hong Kong is an eyew itness who w itnesses the rap id deve lopm en t o f Chongq ing. He is a lso a partic ipant who is ac tive to get to the p rocess o f build ing the Financ ia l Cente r. During ou r conversa tion, Vic to r repeated ly em phasized that the “financ ia l is the m othe r, the rap id deve lopm en t o f loca l Financ ia l Industry p lays an im portan t ro le in m any sec to rs.”

Jou rna list: It has been 5 years since BEA bank has been estab lished in Chongq ing, how is the operation go ing? W hat is the g reatest im pact to Chongq ing peop le o r the b iggest ach ievem en t since BEA estab lished in Chongq ing?

Victo r:Chongq ing is the 11th c ity that BEA Bank set its b ranch in the m ain land. From the beg inning we on ly dea l in foreign cu rrency deposits and loans to ope rate the tota l RMB business, our business has gone th rough severa l stages and m ain tains good m om en tum o f deve lopm ent. As ou r lega l person bank - the Bank o f East Asia (Ch ina) Ltd estab lished in 2007, the com p rehensive se rvices o ffers BEA bank b ranch the cond itions o f deve lopm en t and op portunity to put ou r p roduc ts and services to the pub lic o f Chongq ing. In these years, BEA o ffers Chongq ing ente rp rises and the pub lic innovative financ ing and financ ia l p roduc ts and focus on streng thening the comm unication between the p ro fessions at the sam e tim e, learning w ith loca l banks and m aking join tly p rog ress.

Jou rna list: W ha t is the com petitive advan tage o f BEA am ong so m any fo reign banks in Chongq ing?

Victo r:The key to the com petition is p roduc ts and se rvice. Fo r custom ers, w hoever has good p roduc ts and services, they w ill choose that one. No m atter Chinese-funded banks o r foreign cap ita l. W ith superior service and ad vanced p roduc t, BEA takes the lead in both deposit and c red it business am ong fo reign banks in recent years.

Jou rna list: Now dom estic banking industry is open to fo reign banks, as a m em ber o f fo reign banks in Chongq ing, how does BEA set up o rien ta tion deve lopm en t?

Victo r:BEA bank estab lished in Hong Kong in 1918, and set up the first b ranch in Shanghai, it has never stopped the dom estic business for over 90 years. A foreign bank to loca lize is an inevitab le trend. We are a lso the first ba tch o f dom estic reg iste red lega l person bank just because we have "Root in China," "Serve China" as our development philosophy. Therefore, we attached great importance to the mainland market; provide a diversity of the banking and financial products and services to mainland residents.

Journalist: Chongqing has always been called the “small inland of Hong Kong,” as a Hong Kong person, what do you think of the economic development between Chongqing and Hong Kong?

Victor:As the financial center of Asia, Hong Kong has really perfect financial system, and its financial business is convenient and fast, the market is mature but the space of development is limited. Compared to Hong Kong, the financial development of Chongqing is little behind, but in recent years Chongqing has constantly attracted a large number of top 500 enterprises and financial institutions come to invest, and the space of development is very strong.

At present the financial formats is complete, mature and formed a financial system with the most financial institutions and the most complete organizations in the western region. Combined active financial markets, it has already formed an advantages of the financial sector with striking feature. In my opinion, this city has spread out the best prospect.

Journalist: You are the General Manager of BEA bank of the Chongqing Branch, the member of Chongqing Political Consultative Conference, and Chairman of Hong Kong Macau Enterpriser Branch Chongqing Oversea Association, by holding many offices and shouldering immense responsibilities, how do you coordinate different social roles?

Victor:Trough different social roles look independent; in fact they are inextricably bound. The social function of bank is to provide a financing platform to help customers develop. Banks provide information as reference for customers to seek partners to invest mainland or overseas.

The important goal of setting up Chongqing Hong Kong & Macau chamber of commerce is to promote Chongqing and attract more Hong Kong & Macau enterprises to invest here, meanwhile, promoteHong Kong & Macau and help Chongqing enterprises going out.

As a member of CPPCC, I have opportunity to make contributions to Chongqing's economic development. Therefore, my role is like a "spokesman”, not just attract and encourage a lot of qualified customers of BEA bank to invest in Chongqing, but also help more Chongqing enterprises get on the international stage.

Building up the Financial Centre BEA Bank is Ready——In te rview w ith V ic to r, Gene ra l Manage r o f BEA Bank

W ritten by Aggie and Gary Hynson