【作者】 卢敏；

【导师】 蒋国庆；

【作者基本信息】 四川大学 ， 世界经济， 2007， 硕士

【摘要】 中国于2001年12月正式加入世界贸易组织以来，按照服务贸易总协定的国民待遇原则、透明度原则、市场准入原则、自由化原则，逐步推进金融业对外开放，并于2006年12月底，对金融行业实行了全面对外开放，正式取消外资银行在中国内地经营人民币业务的地域和客户对象限制，对外资银行全面实行“国民待遇”。外资银行的进入和发展带来了更多的机遇和挑战。一方面得益于外资银行进入可能产生的“鲶鱼效应”，有助于中资银行和中国金融业的发展，但另一方面也带来更大的金融风险，其风险大小在一定程度上取决于我国监管政策措施的有效性。扩大开放与加强监管是相互促进、相辅相成的。金融监管与金融自由化也是GATS在金融领域里的两大基本目标。本文从经济监管的一般理论着手，在分析金融监管和金融自由化关系的基础上，着重论述了服务贸易总协定下的外资银行监管原则，审慎例外条款以及总协定与外资银行监管的关系。围绕对外资银行在中国发展现状及监管现状所作的实证分析，挖掘出我国对外资银行监管的不足。通过借鉴国际监管经验，提出了服务贸易总协定下完善中国对外资银行监管体系的对策措施。本文研究主张，在基本保障外资银行国民待遇的基础上，坚持中、外资银行平等竞争。充分认识审慎措施在自由化中的优先地位，坚持审慎监管原则，从GATS附件审慎措施之标准及相关问题的探讨中寻求可资利用的对策，完善对外资银行的法律监管体系；制定科学的银行评级体系；并有效利用跨国银行的自我风险管理机制，发展完备的外资银行监管技术标准与手段，提高监管效率；同时促进国际间的监管合作，注重监管理念的融合和监管行为的接轨。在新的开放形势下，只有在开放的利益最大化的同时，将开放的风险最小化，在国内金融监管和GATS所追求的金融服务贸易自由化之间建立起一种在对立统一基础上的动态平衡，才能有效推动中国金融业的稳步发展。更多还原

【Abstract】 China has gradually pushed forward its opening-up in the financial sector under relative principals of GATS since its WTO accession in December 2001. And China’s financial industry has been fully opened up in the end of 2006.The entry of foreign banks surely has promoted the financial industry of our country. But on the other hand, it also has brought in tremendous economic risks. To a great extent, the degree of the risk is decided by the effectiveness of our supervising measures. Financial supervision and financial liberalization are the two fundamental objectives of GATS in financial services.The article starts with the theory of economic supervision. On the basis of analyzing the relationship between financial supervision and financial liberalization, it carries on deep research on the regulative principle under GATS to foreign banks and the "Prudential Cave-out" rule. After discussing the current development and supervision of foreign banks in China, the article points out some problems in the foreign bank supervising. We take the advanced international regulatory measures for reference. And finally, the dissertation puts forward concrete measures of consummating the supervisory system to foreign banks in China under GATS.The article insists we should observe the principle of national treatment to create an order of fair competition for foreign banks. We emphasize the priority of the "Prudential Cave-out" rule in the process of financial deregulation. Under the principle of prudential supervision, the legislation supervisory system should be improved. And a scientific bank rating system should be work out. We should effectively make use of the self risk-based supervision mechanism of foreign banks to further develop the supervisory technology and method. Moreover, the international supervisory cooperation is no less important.In the context of newly opening-up, we maximize the advantages of the liberalization and bring the possible risks under control at the least supervision cost. In order to steadily promote our financial industry, we try to make a dynamic equilibrium based on the law of unity of opposites between financial supervision and liberalization of GATS in the trade of financial services.更多还原