【正文】 rossborder acquisitions. Apart from economic risks, there are also risks related to politics and sovereignty, said Peng. Some Western countries, in fear of China39。s top 10 banks by market value last year all got bigger through merger and acquisition activities. According to Xia Bin, Director of the Institute of Finance Research under the Development Research Center of the State Council, overseas acquisition is the most convenient way for banks to implement global expansion strategies as it helps to augment their capital size. The size of a bank changes in direct proportion to customer trust as well as the bank39。s mercial banks suffered from nonperforming loans (NPLs) accumulated before the 1990s, and extremely low capital adequacy rates which failed to offset any risk. Huge changes have taken place in China39。Overseas Expansion China39。s opinion seriously if he had expressed it several years ago when almost all China39。s largest. China still faces severe liquidity. The injection of money was billion yuan ($ billion) for the first three quarters of this year, a yearonyear increase of billion yuan ($ billion). As a solution, the government has founded the China Investment Corp. to soak up excess liquidity and at the same time moderately released liquidity and increased qualified domestic institutional investor (QDII) quotas to encourage the outflow of capital from China. Against this backdrop, Chinese banks could avoid risks in the exchange rate market and help to ease the pressure on the government from its huge forex reserves through overseas assets acquisition, said Guo. Cai Esheng, Vice Chairman of the China Banking Regulatory Commission (CBRC), made it explicit that the CBRC would actively encourage and support Chinese financial institutions to seek overseas expansion. Stepping stones to success Crossborder mergers and acquisitions have been a major method for a majority of Chinese banks to tackle overseas markets in recent years, said Yang. The world39。 overseas expansion is high bidding. Even some large mature banks will make such mistakes, said Luo, citing the famous deal of the Development Bank of Singapore (DBS) acquiring Hong Kong39。s Hong Kong and Macao operations for $ billion. 海外拓展 中 資 銀行開展海外擴張項目，而跨國銀行爭先恐后地在中國開始運營 中國工商銀行（ ICBC），全球最大 市值 的 貸款 人 ，將以 55 億美元 收購 南非標準銀行百分之二十的股份，工商銀行總裁楊凱生在 11 月 8 日剛剛結(jié)束第四屆國際金融論壇年會 宣稱 。 近年來，更多的 中資 銀行包 括中國銀行（香港），中國建設銀行（ CCB）和中國開發(fā)銀行（ CDB） 都 已達成的協(xié)議的海外收購。 到 2021 年 9 月 30 日，工行，建行和中行 在 上市銀行的市場價值排名 中 ，分別是世界第一，第五和第六。 中國銀行業(yè)監(jiān)督管理委員會（銀監(jiān)會）蔡鄂生副主席，作出明確 表示 ，銀監(jiān)會將積極鼓勵和支持中國金融機構(gòu)尋求海外擴張。 “ 此外，在這些市場中銀行業(yè)的開放速度 加快 ， 將刺激 越來越多的跨國收購。 “ 即使是一些大型成熟的銀行 也會 犯這樣的錯誤 ” 他列舉了 2021 年新加坡發(fā)展銀行（ DBS）收購了香港道亨銀行的著名交易。 “ 最大的風險是 能 否適應海外業(yè)務的管理風格 ” 郭說