后ECFA时期两岸银行业往来

The Cross Straits Banking Communication after the Signature of ECFA

MOU和ECFA开启了两岸金融业往来的正常化时期,两岸银行业往来获得了比WTO框架下更为宽松的准入条件,但尚有很多具体机制有待抓紧磋商落地。后ECFA时期,两岸银行业往来具有制度性、直接性和不对称性等特征。后ECFA时期,去管制化的红利减少,台资银行在大陆的业务开展主要将受到经贸投资的引导效应驱动和区位优势驱动交互作用,台资银行尤其注意用好区域优惠政策和大陆的民企新36条,并在台资银行的大陆区域布局中展现出来。ECFA的签署及其制度化机制的建立,其影响远远超越经济事务、超越两岸关系。

The signature of MOU and ECFA initiated the normalization of cross straits communication of financial sectors.More accessible conditions are available for cross straits banking communication than that under WTO stipulations,and many programs are about to be implemented.Cross straits banking cooperation under ECFA is institutionalized,direct and asymmetric.Taiwan banks based in mainland and their business will be driven by leading-effect of trade ad investment and by location advantages.Taiwan banks should take advantage of regional preferential policy and new 36 rules concerning private enterprises,and fully reflect it in their business layout in mainland.Actually,the significance and impact of ECFA signature have been far beyond economic field and cross straits relations.