外资银行进入背景下的国有金融垄断化解

Melting of State-owned Financial Monopoly under the Background of Foreign Banks' Entry into China

根据 1 999年中美之间达成的加入世贸协议 ,中国已承诺五年内对外资银行的业务限制和地理限制将取消 ,外资银行可获得充分的市场准入。入世两年后 ,外资银行将可以经营法人单位的人民币业务 ;五年后将可以与中国居民部门进行人民币业务往来。这无疑将大大推动中国银行业对外开放进程。从中国当前的银行业市场结构出发 ,指出了其仍然是行政性的寡头垄断的事实 ,在此基础上分析了外资银行进入对中国银行业市场结构的效应 ,最后指明了新形势下打破国有金融垄断的改革走向。

According to the Sino Americen agreements on China's entry into WTO in 1999,China has undertaken to eliminate the business and geographical restrictions of foreign banks in five years,which means the foreign banks are granted to enter completely the Chinese markets.They would run the corporation Renminbi business in two years and could do Renminbi business with resident departments of China in five years.This will undoubtedly push the process of open up of Chinese banks.From the aspect of market structures of Chinese banks at present,this paper points out first the fact that it is still the administration oligopoly and then analyzes the effectiveness brought about by the entry of foreign banks,and last points the reform way of breaking the state owned financial monopoly in the new situation.