广播电视大学金融学本科毕业论文工作

外资银行的行为及其影响分析

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专业：金融学（本）

入学时间： 00年秋

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二○○三年五月

外资银行的行为及其影响分析

目录

Abstract 1内容提要 2

一、外资银行进入中国的基本情况 3

二、外资银行对我国经济的影响：宏观效应 3

（一）“收入效应” 3（二）货币政策效应 5（三）国际收支效应 6三、外资银行对我国经济的影响：微观效应 7

（一）外资银行的进入对我国金融市场结构的影响 7（二）外资银行对中资银行经营管理的影响 9四、完善我国银行业对外开放的思考 10

（一）政策取向的思考：市场开放的循序渐进与中外资银行的对等待遇 11（二）改善我国宏观与微观金融环境，适应银行业全面对外开放 11（三）进一步完善对外资银行的监管 13参考文献 15

Abstract

Foreign banks are playing an eye-catching role in China’s fina ncial opening. The width and depth of their involvement in China’s financial market are always the focus of all the interests, not only the macro adjusters such as government and the central bank, but many a domestic micro financial bodies as well. After the first foreign bank opened in 1982, the number of foreign banks in China has reached 183 by the end of 2000, accounting for an asset size of $ 34.43 billion. The opening of Renminbi business to foreign bank, which can be regarded as a transitional change in China’s foreign bank open policy, indicates the historic beginning of the national treatment to foreign banks. No one can deny that their influence to China’s economy and financial side is increasing. Assessment to the economic effect given by foreign banks to the host country is being or has been introduced into financial supervisory authority’s strategic consideration.

The purpose of this article is to discuss the economic effect and their prospects from both the macro side and micro side so as to understand their role in the financial system better. Based on the above, we can set up a defined starting point for our policies on the foreign banks entrance and supervision, that is to know foreign banks and direct their development in China in a lone-term and strategic view point. This thesis is divided into four parts.

In Part One, I discussed the development and expansion of multinational bank in China. Ever since 1981, the number of foreign banks in China has increased to 183.Along with the increase ,the total asset and liability also grew steadily.

In Part Two ,I stressed the macro effect to our economy from three aspects such as the income effect, the monetary effect and the international balance of payment effect.The come-in of foreign banks stipulate our economic development by bringing in large amount foreign investment and cover the capital and foreign shortage.Meanwhile,the credit and money exchange business of foreign banks affect both our monetary policy and international balance of payment directly or indirectly.

In Part Three, I discussed the micro effect of foreign banks mainly from two aspects: The first point is the financial market structure effect.The entranceof foreign banks introduces a new pattern of competition in the financial markets,stimulate the competition among domestic financial institutions.And the second is the business management effect. Modern bank management concept and their experience brought by foreign bank promote the reform in the business management for domestic banks.

In Part Four ,I discussed How to perfect opening in our banking sector.Following the above, I made comment on the existing policies for foreign banks, and gave some suggestion on foreign bank entrance and business supervision from the central bank viewpoint.

Key Words: Foreign Capital Bank Macro Effects Management System