银行业对外开放的问题、建议及展望

Problems,Suggestions and Prospects of Banking Sector Opening

银行业开放是金融对外开放的关键环节,是中国对外开放的重要组成部分。改革开放以来,中国银行业经历了自主渐进安全可控的扩大化、纵深化开放历程,目前已经基本实现政策上的全面开放。然而在实践中,银行业双向开放水平不及政策预期,开放活力有待激发,开放结构亟需调整。在全面开放新格局加快形成之际,中国银行业要与时俱进,与金融业各领域改革开放相协调,坚持以服务实体经济为宗旨,以自主安全开放为原则,以改善开放结构为重点,以提升服务效率为目标,坚持宏观审慎与微观监管相结合,有效防止金融风险,充分把握开放的"时"与"度",将银行业对外开放推向更高水平。

The opening up of the banking sector is the key link of the financial opening up to the outside world and an important part of China’s opening up to the outside world.Since the reform and opening up,China’s banking sector has experienced an independent,gradual,safe and controllable process of expansion and deepening opening up.However,in practice,the two-way opening level of the banking sector is not as good as expected by the policy,the opening vitality needs to be stimulated,and the opening structure needs to be adjusted urgently.In the fully open new pattern to speed up the formation of China’s banking sector to keep pace with The Times,and the financial industry in various fields coordinated reform and opening up,adhere to service the real economy for the purpose,to the principle of independent security open with an emphasis on improving the structure of the open,in order to enhance the service efficiency as the goal,insist on macro-prudential combined with micro supervision,prevent financial risks and fully open"when"and"degree",the banking sector opening to the outside world to a higher level.