中国银行业对外开放现状及政策建议

研究银行业对外开放具有十分重要的现实意义。文章首先对当前中国银行业开放现状和存在的问题进行了深刻分析。接着,从有效维护金融安全、促进民族金融业的发展等战略高度深入探讨了关于银行业是否对外资银行全面开放、全面开放的内涵、开放后的外资银行的国民待遇、监管机构的审慎监管、外资入股中资银行等重大问题。文章认为,在对外开放进程中,一是要加强对外资银行母国和母行的风险研究;二是要严格外国银行的监管,平衡外国银行分行与外资法人机构的发展;三是要提高对外资银行的监管和处罚力度;四是合理引导外资银行入股中资银行。

The Suggestions to China Banking Opening-door and the Actuality Analysis

It's significant to make a research of banking opening-door.In this article,the actuality of China banking opening-door is deeply analyzed at first.Subsequently,issues such as wholly opening to foreign banks or not,the meanings of whole opening,treatment of foreign banks after the all-sided opening,supervision,and the foreign bank become a shareholder of Chinese bank are thoroughly discussed at a strategic level.At the last,author bring out the suggests about what should be done in the process of opening-door: firstly,making the risk research of host country and head office of the foreign bank;secondly,strengthening the supervision and balance the development of foreign banks' branch and foreign corporation;thirdly,enhancing punishment;fourthly,introducing foreign bank to become a shareholder of Chinese bank.