目前哪些中国人在海外银行的资产或业务较多？中国企业家和富人群体对欧美银行的依赖情况如何？欧美银行未来如果出现规模更大的危机，对这部分中国人的海外资产意味着什么？

Chinese banks with most overseas assets and business

According to a report by S&P Global, Chinese lenders continued to dominate the Asia-Pacific's largest banks by total assets in 2021, helped by strong growth in lending after a pandemic-induced slowdown. Twenty-two mainland Chinese banks featured in the list of the 50 largest banks in the region, holding combined assets of $34.526 trillion at end-2021, up more than 10% from a year ago⁸.

The four largest banks in the world (by asset size) are Chinese. They are the Industrial & Commercial Bank of China, the China Construction Bank, the Agricultural Bank of China, and the Bank of China ⁷.

What kind of Chinese people currently have more assets or business in overseas banks ?

According to a report by S&P Global, Chinese lenders continued to dominate the Asia-Pacific’s largest banks by total assets in 2021, helped by strong growth in lending after a pandemic-induced slowdown. Twenty-two mainland Chinese banks featured in the list of the 50 largest banks in the region, holding combined assets of $34.526 trillion at end-2021, up more than 10% from a year ago

What is the dependence of Chinese entrepreneurs and wealthy groups on European and American banks ?

According to a survey by the New York Times, European companies warned that China’s push to replace imports was harmful, but American companies are more eager to cooperate with Beijing¹.

On the other hand, many entrepreneurs believe that decades of economic reform has stalled — and in some cases gone into reverse — since China’s President Xi Jinping assumed leadership of the country in 2012².

Source: Conversation with Bing, 2023/3/17 (1) Business groups are divided as China seeks self-reliance.. Https://www. Nytimes. Com/2021/09/23/business/china-business-survey. Html Accessed 2023/3/17.
(2) Xi Jinping’s China: why entrepreneurs feel like second-class citizens. Https://www. Ft. Com/content/fcb 06530-680 a-11 e 9-9 adc-98 bf 1 d 35 a 056 Accessed 2023/3/17.
(3) Behind China’s Decade of European Deals, State Investors Evade Notice. Https://www. Wsj. Com/articles/behind-chinas-decade-of-european-deals-state-investors-evade-notice-11601458202 Accessed 2023/3/17.

If there is a future crisis of a larger scale in European and American banks, what does it mean for the overseas assets of this group of Chinese ?

According to McKinsey, after the global financial crisis, policy makers and regulators worldwide took steps to strengthen banks against future shocks. The Tier 1 capital ratio has risen from less than 4 percent on average for US and European banks in 2007 to more than 15 percent in 2017. The Tier 1 capital ratio, a measure of financial health, is calculated by dividing a bank’s core capital by its risk-weighted assets².

Source: Conversation with Bing, 2023/3/17(1) What has and hasn’t changed since the global financial crisis .... https://www.mckinsey.com/industries/financial-services/our-insights/a-decade-after-the-global-financial-crisis-what-has-and-hasnt-changed Accessed 2023/3/17.
(2) Financial crisis and bank efficiency: An empirical study of European banks. https://www.tandfonline.com/doi/full/10.1080/1331677X.2016.1175725 Accessed 2023/3/17.
(3) Global Growth to Slow through 2023, Adding to Risk of ‘Hard Landing’ in .... https://www.worldbank.org/en/news/press-release/2022/01/11/global-recovery-economics-debt-commodity-inequality Accessed 2023/3/17.