大陸銀行體系現況及外資銀行在大陸之發展——兼論國內銀行赴大陸發展之機會

The Banking System, Development of Foreign Banks, and Opportunities for Taiwan’s Banks in China

本文首先就大陸金融體系現況作一整理，再就外資銀行進軍大陸市場及台灣銀行業赴大陸發展的可能性作一分析。整體而言，大陸金融體系近年來有極大的變化，然依大陸方面規定，我國銀行最快在2004年方能設立分行，2007年始承作人民幣業務，在進入大陸市場的時機上似顯遲延。因此，我國銀行未來在爭取大陸本地企業、居民，乃至於台商客戶群方面，可能必須加倍努力，而其競爭優勢應在於貿易融資及中小企業融資方面。

This article summarizes the current state of the Chinese banking industry and foreign banks’ development in China, and assesses the prospects for Taiwan’s banks in China. The five years following China's WTO entry at the end of 2001 are expected to see great changes in China's banking system. However, Taiwan’s banks face restrictions under PRC banking law that will hinder their taking full advantage of the new opportunities. Not being permitted to establish branches until 2004 or to manage RMB business until 2007, they will not be able to keep up with the development of other foreign banks. Apart from needing to make double the effort to develop their business in China, they should concentrate on extracting the optimum benefit from their competitive advantages in trade and SME financing.