第1页共45页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共45页中國銀行業發展現況及台資銀行登陸之可能模式分析TheCurrentSituationofChina’sBankingIndustryandPossibleModesofTaiwaneseBanksInvestinginChina朱浩民HauminChu政治大學金融學系(所)教授摘要1979年改革開放後，中國金融體制進行了大幅調整，政策逐漸鬆綁，各類金融機構紛紛設立與改型，外資銀行也重返大陸，金融發展漸具雛型，2001年底中國加入WTO，市場循序對外開放，外國金融機構前僕後繼，搶進登陸，隨著2006年底中國對WTO金融市場開放承諾事項的完全實施，外資銀行必將加速進入大陸，大陸本國銀行將面臨嚴重的威脅，而台資銀行卻因為受政策之限制，目前僅在大陸成立辦事處，還未能設立營業性機構，商機逐漸流失。本文首先介紹大陸銀行業的改革、現況與未來發展，接著彙整了中國對外資銀行開放的相關法令，並扼要說明外資銀行在中國大陸的發展情形，最後討論未來台灣銀行業赴大陸投資的可能途徑。關鍵詞：外資銀行、台灣銀行業、中國投資、WTO第2页共45页第1页共45页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共45页AbstractThefinancialsystemofChinahasgonethroughbigadjustmentsafter1979’seconomicreform.Withthederegulationofgovernmentpolicies,varioustypesoffinancialinstitutionsburgeonedandforeignbanksreturnedgradually.AfterjoiningtheWTOinDecember2001,Chinesefinancialmarketopenstooutsiderswithscheduleandforeigninstitutionsbeginrushingintothemarket.Asthedeadlineofopeningmarkettoforeigncountriesbecomescloserandcloser,foreignbanksinvestinginChinaaccelerate.However,theTaiwanesebanksareallowedonlytosetuprepresentativeofficesbutcannotopenthebusinessbranchesinChinarightnow,andthebusinessadvantageofbanksislosinggradually.ThepaperfirstintroducesrecentreformsofChina'sbankingindustry,anddiscussesitscurrentsituationandfuturedevelopment.Next,thepapersummarizesfinanciallawsofChinaregardingtoopeningthemarkettoforeignbankingindustryandpresentsthecurrentsituationofforeignbanksoverthere.Finally,thispaperdiscussespossiblemodesofTaiwanesebanksinvestinginMainlandChina.Keywords:foreignbank,Taiwanbankingindustry,investmentinChina,WTO第3页共45页第2页共45页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第3页共45页ExecutiveSummaryThefinancialsystemofChinahasgonethroughbigadjustmentsafter1979’seconomicreform.Withthederegulationofgovernmentpolicies,varioustypesoffinancialinstitutionsburgeonedandforeignbanksreturnedgradually.Afterthedevelopmentofovertwentyyears,China’sbankingindustryisnowquitesimilartomodernwesterncountries,andiscomposedofthreepolicybanks,fourstate-ownedcommercialbanks,thirteenjointstockcommercialbanks,onehundredandseventeencitycommercialbanks,forty-threeruralcommercialbanks,thousandsofurbanandruralcreditcooperatives,andpostalsavingsbureau.ThefinancialmarketofChinaacceleratesopeningtooutsidersafterjoiningtheWTOinDecember2001,andforeigninstitutionsbeginrushingintothemarket.AsthecompleteopeningdeadlineofChinesefinancialmarkettoforeigncountriesbecomescloserandcloser,foreignbanksflushintoChina.Tilltheendof2005,thereare254businessbranchesofforeignbanksinChina,154ofthemhaveacquiredthelocalRMBlicenses.Inthenearfuture,foreignfinancialinstitutionswillcontinuepouringintotheChinesemarketwithouthesitation.第4页共45页第3页共45页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第4页共45页However,undertheconstraintofthelocalgovernmentpolicy,theTaiwanesebanksareallowedonlytosetuprepresentativeofficesbutcannotopenthebusinessbranchesinChinar...
