中亚五国在2014～2016年的巨大外部冲击后经历了一段复苏时期，目前增长前景保持稳定，经济金融体系也正处于转型时期。“一带一路”倡议为中国与中亚五国的互融互通和商业银行国际化发展提供了广阔的市场区域、广泛的客户群体与难得的海外发展机遇。但是近年来中亚地区国家金融风险频发，全球增长面临的下行风险和不断上升的全球政策不确定性对近期前景构成威胁，在一定程度上阻碍了我国商业银行在该地区的经营发展。我国商业银行需要结合中亚五国各国的经济与金融的发展特征，开启“一带一路”金融合作模式，深化在中亚五国的网络延伸。
after the huge external shock in 2014-2016，the five countries of Central Asia experienced a period of recovery. At present，the growth prospects remain stable，and the economic and financial system is also in a period of transition. “The Belt and Road Initiative” initiative provides a broad market area，a wide range of customer groups and rare overseas development opportunities for the integration and exchange between China and the five Central Asian countries and the international development of commercial banks. However，in recent years，the financial risks of Central Asian countries are frequent. The downside risks faced by global growth and the rising global policy uncertainty pose a threat to the near future，which hinders the operation of Chinese commercial banks in the region to a certain extent. China’s commercial banks need to combine the economic and financial development characteristics of the five Central Asian countries，open “the Belt and Road Initiative” financial cooperation model，and deepen the network extension in the five Central Asian countries.
