外资入股中资银行的经济效应..docVIP

摘 要 自2001 年底中国加入世贸组织，中国金融业逐步走上对外开放之路以后，我国银行业的竞争格局和业态正在发生着一系列深刻的变化，2007年 我国将全面开放银行业，而外资参股的出现，便是这一进程中的一个令人瞩目的新景观。从城市商业银行到股份制商业银行，再到四大国有银行，几乎在各个类型的银行系统内都可见外资或明或暗、若隐若现的身影。实践证明，外资参股对缩小中资银行与外资银行在资本实力、服务水平、内部管理及风险控制能力等方面的巨大差距起到了一定的作用，但任何一个新事物的出现都是利弊随，引进外资参股也不例外，在实施过程中就出现了一些与允许外资参股的初衷不相吻合的况。本文结合中资银行引进外资参股的进展情况，对引进外资产生的效应以及如何发挥效应进行探讨。 关 键 词 中资银行 引进外资 效应 Abstract Since the end of 2001 Chinas accession to the WTO, Chinas anking industry have gradually opening up the road after the pattern of Chinas banking industry competition and Yetai is undergoing a eries of profound changes, China will fully open in 2007 Banking, and the emergence of foreign equity participation, the process is a pectacular new landscape. From the city commercial banks to joint-stock commercial banks, and then to the four major state-owned banks, the banking system in almost all types of foreign investment are visible overtly or covertly, again on the scene. Practice shows that foreign-invested enterprises to reduce banks and foreign banks in the capital strength, the level of service, internal management and risk control in such areas as capacity has played a huge gap, but the emergence of any new things are pros and cons with the introduction of foreign capital is no exception. in the implementation process and allow for the emergence of a number of foreign equity participation in the state of mind does not coincide. The introduction of foreign capital banks combined with the progress of the effects of the introduction of foreign capital to explore the effects and how to play. Key words Chinese-funded banks Foreign investment Effect 外资入股中资银行的经济效应 外资入股中资银行是2006年的中国金融市场开放中最为引人注目的市场动向之一，同时也引起了“贱卖”和威胁民族金融业安全的争议。唐双宁在2005中国论坛上演讲时具体阐述了引进战略投资五项原则和五个标准，五项原则为：一是从国家利益看，要保持国家对大型银行的绝对控股；二是从市场行为看，中外双方应按市场原则在自愿、互利的基础上进行合作；三是从中方看，引进战略投资者主要不是为了引进资金，而是为了引进先进的管理经验和技术手段，促进中资银行完善公司治理结构，提高管理水平，因此，引进战略投资者应与自身特点相结合，以提升中资银行自主创新能力和管理水平为目的；四是从外方看，投资入股中资银行一般应当是大型金融机构，在银行经营管理方面有丰富经验；五是从监管看，要坚持严格的资格审查，并跟踪和评估实际效果。五个标准为