【作者】 马新华；

【导师】 张绍焱；

【作者基本信息】 华中师范大学 ， 政治经济学， 2002， 硕士

【摘要】 随着我国金融业的发展和对外开放步伐的加快，越来越多的外资银行参与到中国银行业中来。从国际上看，金融国际化和一体化趋势，以及国际金融服务贸易自由化的趋势，是导致跨国银行不断地登陆我国的深层背景，从国内看，中国银行业循序渐进的开放政策，特别是中国加入世界贸易组织所做出的承诺，是外资银行能够参与中国银行业发展的直接原因。外资银行的到来，既给中国银行业注入了活力，也为我国银行业的发展和金融安全提出了挑战。 本文共分为五个部分，第一章从跨国银行的新发展和国际金融出现的新趋势，中国银行业的发展现状，以及中国加入世界贸易组织对银行业的对外开放提出的新挑战等三个方面阐述了本文对中国银行业开放与国际金融服务贸易自由化的分析背景。第二章从理论上论述国际金融服务贸易自由化的基本内涵，对其效应进行了较全面的分析，并联系中国银行业的开放再次论证金融市场的开放问题。第三章站在实证的角度，回顾了外资银行在我国的发展历史和现实状况，详细阐述其参与中国银行业的方式选择分析、战略选择分析、营销策略分析以及现实竞争力的分析。第四章立足金融风险和金融监管的一般理论，提出完善我国金融监管的有效途径，并结合外资银行在华发展的实际情况说明了加强监管的必要性和措施。最后一章在详细分析我国银行业竞争力的基础上，认真阐述提升中资银行竞争力全面应对银行业开放挑战的合理建议。更多还原

【Abstract】 As China enhances itS financial industry and fastens its pace of opening up,more and more fOreign banks are involves in the operations of China’s banking.Intemationally, the trends of globaliZaion and integraion and liberaliZaion ofintemational financial service are the profound background, tmder Whichtransnational banks land the main land of China. Domestically, the step-by-steppolicies of opening uP of China’s banking, particularly these promises made byChina to WTO are the incentives for fOreign banks to be involved in thedevelopment of China banking. With the participation of foreign banks, China’sbanking galned vigor and has to confront challenges of the financial security anddevelopment.There are five chaPters in thes essay ChaPter one describes the background ofthe opening up China’s banking and the liberalization of the intemational financialservices from the following three aspects: the new development of transnationalbanks and the new trend of intemational finance; the present sitUation of China’sbanking; and the new challenges tha China’s banking has to confront with itsentrance into WTO. ChaPter twO indicates the essence of the liberaliZaion ofinternational financial service in theory; makes an overall analysis on its effects anddemonsthees the open-up issues in financial market in relation with the opening upof China’s banking. In terms of positive analysis, chaPter three reviews the nistoryand present sitUations of fOreign banks dOing business in China, illustrates in detailstheir patter altemation analysis, strategy-alternation analysis, marketing-strategyanalysis and present competitiveness analysis in their operations in China. ChaPterfour putS fOrwards some effective ways to improve China’s financial supervision onthe basis of genend theories as to financial of strengthening Tegulation withconsidendion of the Present sitUations of foreign banks’ operations in China. Thelast chapter makes a detailed analysis on the competitiveness of Chinese banks and then seriously illustrates those rational proposals for Chinese banks to raise their competitiveness in dealing with the opening up of banking as a whole.更多还原