台湾地区外资银行演变历程、准入制度与发展特征

The Admittance System and Development Characteristics of the Foreign Capital Banks in Taiwan

外资银行在台湾地区发展经历了1979年以前的起步阶段、1980至1997年的快速发展阶段及1998年以来的调整阶段。台湾地区的金融法律对外资银行准入的条件、形式、范围等进行了明确的规定。在特征上,在台外资银行的机构数量较多,来源地较为集中,以分行和代表处为主要组织形式,盈利能力与竞争力明显优于台湾本地银行。

The development of foreign capital banks of Taiwan experiences the periods of commencement,fast growing and adjustment.The financial laws of Taiwan explicitly stipulate the conditions,format and extension of the foreign capital banks entering the financial market of Taiwan.The development of the foreign capital banks in Taiwan is characterized by numerous organizations and the concentration of origin places,with branches and representative offices as the main format.The profitability and competitiveness of these foreign capital banks exceed the Taiwan local banks.