摘 要随着中国加入 WTO，金融领域逐渐对外资银行开放，尤其取消对其开展人民币业务的领域和对象限制后，中外银行间竞争范围和程度正在全面扩大与深化。笔者通过收集大量的资料和数据，在此基础上梳理了外资银行在华发展状况及其特点，同时详细介绍了外资银行在华发展策略的变化，接下来主要从正负两方面阐述了外资银行进入对国内银行业所带来的影响，最后并从中资银行自身及监管层面提出应对建议，为探索一条紧跟时代步伐、紧密结合实际的中国银行业发展之路提供一些借鉴。关键词：外资银行；特点；影响；措施1SummaryWith China's accession to the WTO, it is gradually embracing foreign banks in financial field. In 2006, China has eliminated many constrains that were major hurdles for foreign banks to conduct businesses in China. Domestic and foreign bank competitions are expanding and deepening. The writer has been observing the China’s financial industry by collecting a large amount of information and data. This information fairly reflects the developing status of foreign banks in China and their characteristics. In general, foreign banks in China are constantly evolving. The next major challenge will test these foreign banks in many aspects of the business. Finally, the foreign banks will be analyzed on the regulatory level, which is designed to enforce a steady pace, in combination with the reality of the Chinese banking industry。 Key words: Foreign banks; Characteristics; Influence; Measures2目 录一、绪论..................................................................1（一）研究背景与意义......................................................................................................1（二）相关研究综述..........................................................................................................1（三）本文结构安排与基本内容......................................................................................2二、外资银行在华的发展状况...............
