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解读一人民币业务对外全面开放按照中国加入WTO所作出的承诺,今年12月11日,我国将取消外资银行在中国经营人民币业务的地域限制和客户限制。根据《条例》的规定,外商独资银行、中外合资银行按照国务院银行业监督管理机构批准的业务范围,经营包括吸收公众存款、发放各期限贷款、办理票据承兑贴现等13项金融业务,而且这些银行经过中国人民银行批准,还可以经营结汇、售汇业务。从业务范围来看,这些外资银行与中资银行已经站到同一起跑线上,可以在同样的市场中争夺客户,分享中国经济高速增长带来的机会。(第29条)对于那些按照资源原则没有实现转制的外国银行分行,按照审慎性的监管原则,将其经营范围规定为外汇业务以及除了中国境内公民以外客户的人民币业务,允许其吸收中国境内公民不少于100万元人民币的定期存款。(第31冬、解读二体现审慎性监管原则特殊情况下,国务院银行业监督管理机构不能在规定期限内完成审查并作出批准或者不批准筹建决定的,可以适当延长审查期限,并书面通知申请人,但延长期限不得超过3个月。申请人凭批准筹建文件到拟设机构所在地的银行业监督管理机构领取开业申请表。这条规定是考虑到外资银行在满足监管要求方面的实际困难,从而作出的缓冲性规定。(第15条)解读三采取自原的原则,尊重外资银行的意愿对于外资银行在中国的商业存在形态,《条例》遵循自愿原则,外资银行可以自由选择在华设立独立法人机构,即独资银行和中外合资银行,也可以只设立分行或者代表处。至于如何选择,完全看外资银行自身业务发展的需要。解讯四监管原则真正实现内外统一在对外资银行的监管要求方面,《条例》坚持了内外统一的原则,规定外商独资银行、中外合资银行应当遵守《商业银行法》关于资产负债比例管理的规定。外国银行分行变更的由其总行单独出资的外商独资银行以及本条例施行前设立的外商独资银行、中外合资银行,其资产负债比例不符合规定的,应当在国务院银行业监督管理机构规定的期限内达到规定要求。(第40条)
Interpretation of a RMB business opening up to the outside world According to China’s accession to the WTO commitments made, December 11 this year, China will cancel the foreign banks operating in China RMB business geographical restrictions and customer restrictions. Pursuant to the Regulations, wholly foreign-funded banks and joint-venture banks operate 13 financial businesses including absorbing public deposits, issuing loans of various maturities, and performing discounted bills acceptance, in accordance with the business scope approved by the banking regulatory authority under the State Council, and these banks After the approval of the People’s Bank of China, you can also operate foreign exchange settlement and sales business. From a business perspective, these foreign banks and Chinese banks have come to the same starting line and can compete for customers in the same market to share the opportunities brought by the rapid economic growth in China. (Article 29) For foreign bank branches that have not been converted according to the principle of resources, they shall be subject to the principle of prudential supervision to regulate their business scope as foreign exchange businesses and RMB businesses of customers other than Chinese citizens and to allow them to absorb citizens within China Not less than 1 million yuan in time deposits. (31st winter, interpretation of two reflects the principle of prudential supervision Under exceptional circumstances, the State Council banking regulatory agencies can not be completed within the deadline for the review and approval to make or not to approve the preparation decision, the examination period may be extended and written notice to the applicant , But the extension period shall not exceed 3 months.The applicant shall, upon approval of the preparation document, obtain the application for opening from the banking regulatory agency where the proposed institution is located, taking into account the practical difficulties of the foreign banks in meeting the regulatory requirements and thus (Article 15) Interpretation 3 Principles of Self-reliance and Respect of Willingness of Foreign Banks Regarding the commercial presence of foreign-funded banks in China, the Regulations follow the principle of voluntariness and foreign banks are free to choose to establish their own independence in China As for the legal person institutions, ie Solely funded banks and Sino-foreign joint-venture banks, only branch offices or representative offices can be set up. As for how to choose and fully understand the needs of foreign-funded banks in their own business development, Aspects, the “Regulations” adhere to the principle of internal and external reunification, the provisions of wholly foreign-owned The joint venture bank shall abide by the provisions of the Commercial Bank Law on the management of the assets and liabilities ratio as well as the wholly foreign funded bank wholly invested by its head office and the wholly foreign owned banks established before the promulgation of these Regulations as well as the joint venture banks Where the ratio of assets and liabilities does not conform to the provisions, the requirements of the banking regulatory authorities under the State Council shall meet the stipulated requirements within the time limit (Article 40)