外资银行对中国零售金融市场的影响

The Influence of Foreign Banks on Chinese Retailing Financial Market

入世3年来,中国逐步放宽了外资银行开办人民币业务的地域和客户限制。2006年以后中国金融市场将全面开放。本文回顾了目前外资银行在人民币业务方面取得的进展,分析了中外资银行在零售业务方面的竞争形势,认为中资银行今后在客户、产品、渠道等方面将受到外资银行强有力的挑战,提出了中资银行应抓住剩下的过渡时间迅速做出调整,迎接中国金融进一步开放后新的竞争挑战。

Three years since China has entered WTO. China released gradually the area and customer restricts of RBM business on foreign banks. After 2006, the Chinese financial market is completely open to outside. This article reviews the achievements of foreign banks in RMB business and analyzes the respective competitive advantages of foreign and Chinese native banks in retailing business. The author holds that foreign banks will pose great challenges to Chinese banks in customers, products and channels. The author also suggests that Chinese banks should make some adjustments in the fast-fading transitional time and be ready to meet the new challenge.