摘要:在当前全球金融一体化的背景里，伴随着中国在2001年正式加入WTO（世界贸易组织）的大环境下，各国的外资银行开始以不断剧增的数量进入到我国金融市场。到2011年我国加入WTO已有整整10年的时间，各国的外资银行在我国本土的年资产平均复合增长率已达到了20%，而其年平均利润增长率也达到了26%。10年以来，我国全面开放银行业，逐步统一的制定了中外资银行监管的法律法规，并且外资银行在华本土经营发展也是全面享有平等待遇的，在中国市场经济和金融改革的发展进程中，外资银行也从中有一席之位。那么在对我国经济金融制度的改革创新发展发挥了重要积极作用的外资银行，也同时对我国银行业形成严峻的挑战，并对我国的经济金融产生了重大而深远的影响。本文，详细的介绍了外资银行在我国发展的历程、发展现状及战略调整，探讨了外资银行进入我国后对我国本土银行的冲击及其发展的影响。在此基础上，文章对我国银行业今后如何在激烈的外资银行竞争中求得发展，提出了相应的对策建议。
关键词：金融全球化 外资银行 本土银行 影响
ABSTRACT: In the current context of financial globalization, more and more foreign banks entering China. Since 2006, China's full liberalization of the financial industry, to give national treatment to foreign banks RMB business has been fully open outside. The entry of foreign banks will challenge China's banking sector and the formation of a heavy competitive pressure, and China's financial and economic impact of significant and far-reaching. Face the huge impact of foreign banks, domestic banks must clearly understand the characteristics of competitors through continuous study and learn and constantly improve their competitiveness in the fierce competition to retain and expand market share. This paper describes the development of foreign banks in China and characteristics of foreign banks on the Chinese Banking Industry, and China in the future competition in the banking industry to obtain in the development of recommendations.
Keywords: foreign banks; financial globalization; banking; impact
