外资银行的行为及其影响分析教学点：×××专业：金融学（本）入学时间： 00年秋学生姓名：×××学号：××××××指导教师：×××二○○三年五月外资银行的行为及其影响分析目录Abstract 1内容提要 2一、外资银行进入中国的基本情况 3二、外资银行对我国经济的影响：宏观效应 3（一）“收入效应” 3（二）货币政策效应 5（三）国际收支效应 6三、外资银行对我国经济的影响：微观效应 7（一）外资银行的进入对我国金融市场结构的影响 7（二）外资银行对中资银行经营管理的影响 9四、完善我国银行业对外开放的思考 10（一）政策取向的思考：市场开放的循序渐进与中外资银行的对等待遇 11（二）改善我国宏观与微观金融环境，适应银行业全面对外开放 11（三）进一步完善对外资银行的监管 13参考文献 15AbstractForeign banks are playing an eye-catching role in China’s fina ncial opening. The width and depth of their involvement in China’s financial market are always the focus of all the interests, not only the macro adjusters such as government and the central bank, but many a domestic micro financial bodies as well. After the first foreign bank opened in 1982, the number of foreign banks in China has reached 183 by the end of 2000, accounting for an asset size of $ 34.43 billion. The opening of Renminbi business to foreign bank, which can be regarded as a transitional change in China’s foreign bank open policy, indicates the historic beginning of the national treatment to foreign banks. No one can deny that their influence to China’s economy and financial side is increasing. Assessment to the economic effect given by foreign banks to the host country is being or has been introduced into financial supervisory authority’s strategic consideration.The purpose of this article is to discuss the economic effect and their prospects from both the macro side and micro side so as to understand their role in the financial system better. Based on the above, we can set up a defined starting point for our policies on the foreign banks entrance and supervision, that is to know foreign banks and direct their development in China in a lone-term and strategic view point. This thesis is divided into four parts.In Part One, I discussed the development and expansion of multinational bank in China. Ever since 1981, the number of foreign banks in China has increased to 183.Along with the increase ,the total asset and liability also grew steadily.In Part Two ,I stressed the macro effect to our economy from three aspects such as the income effect, the monetary effect and the international balance of payment effect.The come-in of foreign banks stipulate our economic development by bringing in large amount foreign investment and cover the capital and foreign shortage.Meanwhile,the credit and money exchange business of foreign banks affect both our monetary policy and international balance of payment directly or indirectly.In Part Three, I discussed the micro effect of foreign banks mainly from two aspects: The first point is the financial market structure effect.The entranceof foreign banks introduces a new pattern of competition in the financial markets,stimulate the competition among domestic financial institutions.And the second is the business management effect. Modern bank management concept and their experience brought by foreign bank promote the reform in the business management for domestic banks.In Part Four ,I discussed How to perfect opening in our banking sector.Following the above, I made comment on the existing policies for foreign banks, and gave some suggestion on foreign bank entrance and business supervision from the central bank viewpoint.Key Words: Foreign Capital Bank Macro Effects Management System外资银行的行为及其影响分析内容提要外资银行在中国的金融开放中始终是一抹重重的亮色，其对中国金融市场的契入及其方式、广度和深度一直被国内金融机构所关注。
自从1982年第一家外资银行在我国成立以来，截止2000年在我国外资银行已经达到183家，资产规模为344.34亿美元。
其中：经营人民币业务的外资银行33家，人民币资产规模达293.54亿元人民币。
谁也不能否认，外资银行对中国经济、金融生活的影响度正在日益提高。
对外资银行给东道国所产生的经济效应的评价，正在或已经纳入金融监管当局的判断决策的范畴。
本论文的目的在于从宏观和微观的角度探讨外资银行对我国经济影响，并展望外资银行的未来发展，以理解外资银行在我国金融体系中所处的地位，从而对我国引进外资银行和对外资银行的监管政策建立一个明确的出发点，即从长远和战略高度来认识外资银行，把握外资银行在国内的发展方向。
本论文共分四部分。
第一部分，介绍在华外资银行的现状。
第二部分“外资银行对我国经济的影响：宏观效应，着重从收入效应、货币政策效应和国际收支效应三个方面论述外资银行在宏观上对我国经济的影响。
第三部分“外资银行对我国经济的影响：微观效应，研究外资银行在微观层面上的影响，着重从二个方面进行论述，一是金融市场结构效应，外资银行的进入形成了新的金融市场竞争格局，强化了我国银行业的竞争与合作机制；二是经营管理效应，外资银行将现代银行经营管理理念和经验带入中国，给中国金融业和金融市场注入了新鲜血液，促进中资银行经营管理机制的转变。
第四部分“完善我国银行业对外开放的思考”，本章在前文对外资银行经济影响分析的基础上，对当前外资银行引进政策进行评价，并从中央银行的角度提出有关外资银行进入及业务经营监管的政策思路。
关键词：外资银行宏观效应管理机制外资银行的行为及其影响分析一、外资银行进入中国的基本情况中国金融业的对外开放是一个循序渐进的过程：准许外资银行进入中国，开放部分银行业务，从而敞开部分国内金融市场，待条件成熟之时走向全面金融开放。
1982年我国政府允许外资金融机构在华设立营业性机构时，还只有一家外资银行分行，即南洋商业银行深圳分行。
事隔20年，在华营业性外资银行已达183家，其中外资银行分行150家，外国独资注册银行6家，中外合资银行7家，外国独资和中外合资银行分行13家，合资、独资财务公司7家。
伴随着数目和规模扩张的同时，在华外资银行的盈利在日益增加，税后利润逐年增长，资产收益率不断提高。
一般来说，外资银行在华设立分支机构的第二年即可盈利。