Combined with the way of foreign banks entering China, this paper discusses how Chinese banks can better implement the "going out" war.

First, speed up the reform of China's financial system and strengthen the basic system and system construction of banks. Government departments and financial functional departments should promote the clarity of property rights and the construction of corporate governance structure of domestic banking, and form an effective restraint mechanism. At the same time, promote financial liberalization, realize the marketization of banks and reduce administrative intervention, so as to conform to the international trend and create a good external environment for the healthy and stable operation of Chinese banks.

The second is to increase investment in science and technology, strengthen financial innovation and develop intermediary business. Chinese banks should speed up the construction of financial electronization, introduce advanced foreign exchange trading and clearing systems, improve the bank payment service system, and form a national information sharing and communication network. At the same time, Chinese banks should invest a lot of manpower and material resources to develop financial tools and services that meet the market demand, vigorously develop intermediary businesses such as insurance business, securities business, foreign exchange trading and personal finance, shorten the gap with foreign banks, improve profitability and core competitiveness, and the loyalty of high-end customers of Chinese banks will also be improved.

Third, choose appropriate marketing strategies to improve service quality. Chinese banks should be market-oriented, subdivide the customer market, actively strive for target customers, and implement a modern all-round marketing model. At the same time, with the decrease of product differentiation, quality service can greatly increase the added value of financial products and enhance the attractiveness of banks to customers. Therefore, Chinese banks should take customers as the center, establish and develop their own brands and enhance their international competitiveness.

Four, establish and improve the talent incentive mechanism, improve the quality of employees. The competition between Chinese and foreign banks is not only the competition of talents, but also the competition of banking mechanism. The quality of human resources is related to the development ability and international competitiveness of banks. Chinese banks should establish reasonable reward and punishment mechanism, assessment methods and good corporate culture, mobilize the enthusiasm of professionals, enhance the sense of belonging of employees and reduce brain drain. At the same time, provide employees with various forms of training, and cultivate a group of senior financial talents who are proficient in foreign languages, have a solid foundation in international finance, have strong management ability and have innovative spirit.

5. Promote the risk management and internal control of China Bank. While enjoying the network of customers and institutions, Chinese banks can learn from the risk management experience of foreign banks and master advanced risk control technology to realize more efficient capital operation and improve risk return. Chinese banks should also establish a risk monitoring and evaluation system, which can effectively monitor and evaluate market risk, operational risk, liquidity risk and credit risk. In addition, Chinese banks should establish a whole-process credit risk monitoring system, and the management of credit risk should not be limited to post-loan monitoring, but should be implemented in all stages of credit business, so as to find and prevent risks as soon as possible.

Six, strengthen supervision and improve the level of supervision. The regulatory authorities should implement prudent regulatory policies, fully implement the regulatory principles of the Basel Accord, effectively strengthen the supervision of foreign banks and guard against external risks. Especially since the American subprime mortgage crisis, many well-known financial institutions have suffered huge losses, including Citibank and Morgan Stanley. The CBRC should improve the level of risk management, strengthen international financial cooperation, and maintain the safe and stable development of China's finance.