入世前后中国银行面临的挑战与应对措施

入世在即,中国的银行业面临着前所未有的挑战,外资银行同中资银行的竞争下可避免。银行和政府需要做好哪些方面的准备值得深入研究。     

Foreign-funded Banks：A Grip on Their Holy Grail？

ON December 11, 2006, China honored its WTO commitment to open its Renminbi business to foreign banks. Since that date, both locally incorporated foreign-funded banks and joint venture financial institutions are licensed to offer RMB services. Non-incorporated branches may also accept time deposits from Chinese citizens within the territory of China of no less than RMB 1 million for each time. It seems foreign banks at last have one hand on their holy grail - China's 1.3 billion customers. But their grip is so far a weak one. China Youth Daily carried out a survey, and of the 3,384 respondents, 85.2 percent said that they paid close attention to the development. As regards their impression of foreign banks, 66.7 percent said their main advantage was a better service. Just 10.8 percent said they would open an account in a foreign bank, and 16.4 percent said they would wait and see what happens. What lies ahead for foreign banks in China, and how will the phenomenon impact domestic banks in the Chinese mainland?     

浅析《中华人民共和国外资银行管理条例》

在加入WTO五周年之际,我国出台了《中华人民共和国外资银行监管条例》。在《条例》中修改和新增了一些法规顺应了国际监管的新趋势,是我国银行监管史上的一大进步。同时也存在着一些不足之处需要我们进一步的改进和完善。     

外资银行进入对中国FDI流入影响研究

本文利用2008—2018年间的数据实证检验了外资银行进入对中国FDI的影响,结果显示,外资银行进入通过产业关联、降低信息不对称和融资成本等显著促进了中国FDI流入。考虑内生性问题及经过稳健性检验后,这一结论仍然成立,提高中国利用FDI水平应注重发挥银行业开放对FDI的带动作用。