坚持对外开放 加快金融业发展

Adhering to the Principle of Opening up and Accelerating the Development of Financial Industry

本文认为,目前我国金融业对外开放政策更加透明,开放步伐更加稳定有序,扩大了金融市场对外开放的范围。在银行业方面,按照承诺开放了外资银行经营人民币业务的地域限制和业务限制,完全取消了外资银行经营外汇业务的地域和客户限制。在证券业方面,不仅严格履行了关于证券业开放的有关承诺,而且在进一步扩大证券市场对外开放方面进行了探索。在保险业方面,地域和业务范围已基本实现全面对外开放。在金融市场方面,积极引进国际金融机构,稳步扩大金融市场对外开放。文章提出,金融业的对外开放给我国金融业带来了先进的金融技术、金融服务方式和金融产品设计理念,加快推动了国内金融全方位的创新进程,一是促进国内金融组织体系的创新;二是促进金融产品创新,丰富投资人选择;三是促进金融交易工具和方式创新,深化了金融市场功能;四是促进外汇市场产品和交易创新;五是促进金融服务理念和手段的创新。

The author points out that the opening up policy of China＇ s Financial Industry is becoming more transparent, and steps taken in opening up are becoming more stable and orderly. In Banking Industry, geographical limitation and business limitation has been canceled. In securities industry, undertakings concerning the opening up of securities industry has been strictly implemented. In insurance industry, an all round opening up has been realized. In financial market, opening up has been vigorously expanded. The author puts forward that the opening up of financing industry has brought us with advanced financial technology, the pattern of service and new idea of financial product design; and it has accelerated the innovational process, for example, In＇st, it has promoted the innovation of domestic financial organization system; second, it has promoted the innovation of financial product and provided the investors with more choices; third, it has promoted the innovation of financial trading tools and modes; fourth, it has promoted the innovation of product and exchanges in the foreign exchange market; and fifth, it has promoted the innovation of financial service idea and means.