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后WTO时期银行业全面开放,外资银行进入中国更加自由和便利。这加大了金融风险,也给外资银行监管带来了严峻挑战。鉴于此,国务院适时出台了《外资金融机构管理条例》。新条例以审慎性监管为理念,以外资法人银行为政策导向,这有助于控制金融风险和保护存款人利益。新条例在构建高效的外资银行监管机制方面将发挥重大作用。
After the WTO, banking sector was fully liberalized and foreign banks were more free and convenient to enter China. This has increased the financial risk and also posed a severe challenge to the regulation of foreign-funded banks. In view of this, the State Council duly introduced the Regulations on the Administration of Foreign-funded Financial Institutions. The new regulations take the prudential supervision as the concept and the foreign-funded legal person banks as policy-oriented, which helps to control financial risks and protect depositors’ interests. The new regulations will play a significant role in building an effective regulatory mechanism for foreign banks.