外資銀行入股中資銀行之探討

A Study on Foreign Bank Investment in Chinese Banks

隨著中國經濟的快速成長，中國對外資銀行也逐漸採取開放的態度，尤以2001年底中國加入WTO後，中國對外資銀行進入中國市場作出入會時全面開放外匯業務、五年後全面開放人民幣業務的明確承諾，2003年底更放寬外資銀行入股中資銀行比例.，方便外資銀行快速取得商機。本文第一節為前言，第二節介紹外資銀行在中國發展之歷程及現況；第三節為本文內容重點，分析外資銀行入股中資銀行的歷程、現況、發展趨勢、雙方考量因素並略估成效；第四節介紹國際銀行入股策略；第五節提出結語。

With the rapid growth of its economy, China has been gradually adopting a more liberal stance toward foreign banks. In particular, China made clear commitments to open its market fully to foreign bank participation in foreign exchange banking as soon as it joined the WTO in 2001, and to renminbi banking five years later. And at the end of 2003, it relaxed the restrictions on foreign bank investment in Chinese banks. This study begins with prefatory remarks, and then introduces the history and current situation of foreign bank development in China. In its third part, the study analyzes foreign bank investment in Chinese banks, focusing on the development trends of such investment, the factors considered by the investing and invested banks in pursuing such investment, and a brief estimation of the investment results. The fourth part of the study examines the investment strategies of three international banks, and the final part presents conclusions from the study’s analytical findings.