外国企业并购美国银行的审查制度

USA's Inspection and Approval System for Bank M&A by Foreign Investors

为更好地了解外国企业并购美国银行的审查制度,对其相关的监管机构和制度进行系统分析.外国企业如果并购美国的银行,需通过3层的审查或者批准.第一关是美国外国投资委员会(CFIUS)的审查,着眼点为是否对美国的国家安全造成威胁.第二关是美国司法部(DOJ)和联邦交易委员会(FTC)的反垄断审查.第三关是美国的银行监管部门的审查,根据银行的不同,分别由货币监理署(OCC),美国联邦储备委员会(FRB)和联邦存款保险公司(FDIC)负责.

Many Chinese firms want to acquire American bank. This paper aims to point the procedures andapprovals Chinese potential acquirers must pass through or get. CFIUS＇s concern is on whether the acquisition willimpair the safety of USA. Acquirer also must pass the investigation of anti-trust. Chinese potential acquirers mustget the approval from the banking regulator of USA（OCC or FRB or FDIC）.