外资银行进入对我国银行业的影响和对策

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1、InfluenceOnOurDomesticBankingIndustryFromForeignBanks’EnteringIntoChinaAbstractOnDecember11，2001，ChinahasofficiallyenteredintoWTO．Accordingtothesigneddocuments，fbrei911banksareallowedtodoRMBbusinesswithlocalcompaniestwoyearsafter．In2004，someforeignbankshavestartedtodo

2、thisbusiness．Besidesthat，foreignbankscarlstarttheretailbusinessfiveyearsafterChinaenteringintoWTO，whichmeansforeignbankscanbeconsideredthesameaslocalbanks，thusforeignbankswillplayamoreactiveroleinChina’sdevelopment．Thearticle’Sstructureandkeypointsare：ChapterOne，Theor

3、yForForeignBanks’Cross—BorderExpansion．Thepurposesshallincludekeepinglong—termrelationshipwithcoreclients，highprofit—return，reductionofoperationcostanddiversifyingtherisk．ChapterTwo，InfluenceOnBankingIndustryInNewMarket—OrientedSocietiesFromForeignBanks’Entering．Thein

4、fluencecarlbedividedintopositiveandnegative．Fromthestatisticsonhand，thepositiveinfluenceismorethanthenegativeside．ChapterThree，PresentConditionsOfChinaBankingIndustryAndItsReform．Atpresent，therearefivelayersinChinabankingsystem，ofwhichfourstate—ownedbanksareintheoverw

5、helmingposition．AfterChina’sjoininginWTO，theIPOscheduleforfourstate—ownedbanksisinthepipeline．ChapterFour,PresentConditionsOfForeignBanksInChina．Thehistoryofforeignbanks’enteringintoChinaisreviewedandfigureoutsomecharacteristicsofforeignbanksinChina．ChapterFive，Operat

6、ionConditionsOfForeignBanksInChina．ObviouslyforeignbanksstillhavemanyobstaclestomanagethebusinessinChina．ChapterSix，InfluenceOnOurDomesticBankingIndustryFromForeignBanks’EnteringIntoChina．Thoughthestrengthofforeignbanksisdefiniteandobvious，itsinfluenceonChinabankingin

7、dustrycannotbeoverexaggerated．Infact，becauseofforeignbanks’enteringintoChina，itbreaksthelong—termmonopolyinChinabankingindustry,andcreatesthecompetitiveness．ChapterSeven，ActionshallbetakenbylocalbanksinChina．6辨整韫行进入对我雹银行业的影响和对壤Inthischapter,somesuggestionsandadvisesar

8、egivenforsupervisoryauthorityinbankinginChinaandlocalcommercialbanksinChina．Thefeaturesofthisarticleareanalyzingthestrengtha