题目外资银行在华发展的特点及影响分析院摘要随着中国加入WTO，金融领域逐渐对外资银行开放，尤其取消对其开展人民币业务的领域和对象限制后，中外银行间竞争范围和程度正在全面扩大与深化。笔者通过收集大量的资料和数据，在此基础上梳理了外资银行在华发展状况及其特点，同时详细介绍了外资银行在华发展策略的变化，接下来主要从正负两方面阐述了外资银行进入对国内银行业所带来的影响，最后并从中资银行自身及监管层面提出应对建议，为探索一条紧跟时代步伐、紧密结合实际的中国银行业发展之路提供一些借鉴。关键词：外资银行；特点；影响；措施SummaryWithChina'saccessiontotheWTO,itisgraduallyembracingforeignbanksinfinancialfield.In2006,ChinahaseliminatedmanyconstrainsthatweremajorhurdlesforforeignbankstoconductbusinessesinChina.Domesticandforeignbankcompetitionsareexpandinganddeepening.ThewriterhasbeenobservingtheChina’sfinancialindustrybycollectingalargeamountofinformationanddata.ThisinformationfairlyreflectsthedevelopingstatusofforeignbanksinChinaandtheircharacteristics.Ingeneral,foreignbanksinChinaareconstantlyevolving.Thenextmajorchallengewilltesttheseforeignbanksinmanyaspectsofthebusiness.Finally,theforeignbankswillbeanalyzedontheregulatorylevel,whichisdesignedtoenforceasteadypace,incombinationwiththerealityoftheChinesebankingindustry。Keywords:Foreignbanks;Characteristics;Influence;Measures目录一、绪论..................................................................1（一）研究背景与意义......................................................................................................1（二）相关研究综述..........................................................................................................1（三）本文结构安排与基本内容......................................................................................2二、外资银行在华的发展状况................................................2三、外资银行在华战略的变化和特点..........................................3（一）由地域布局转向利润追求......................................................................................3（二）从竞争转向合作......................................................................................................4（三）先进的技术和管理水平..........................................................................................41.个人理财业务上具有优势........................................................................................42.外汇资金的存贷、结算等业务上具有优势............................................................53.资金运作和管理上具有优势....................................................................................5（四）经营风格和策略的多样性......................................................................................5（五）固守自身的企业文化和经营特点........................................................................6四、外资银行在华发展对中资银行的影响......................................6（一）外资银行进入的正面效应......................................................................................61.竞争效应...................................................................................................................62.技术外溢效应...........................................................................................................63.环境变革效应...........................................................................................................7...
