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对外资银行开放本币业务既是巴塞尔协议框架下重要的国际惯例，又是牵一发而动全身的关键性国民待遇。它的突破与推进均蕴含着不容忽视的风险。一、外资银行经营人民币业务会对我国金融机构提出严峻的挑战。各国有商业支柱银行在这场冲击中首当其冲。我国银行体系还比较脆弱，
Opening foreign currency businesses to foreign-funded banks is not only an important international practice under the framework of the Basel Accords, but also a key national treatment of the whole body. Its breakthrough and promotion contain risks that can not be ignored. First, foreign banks operating RMB business will pose serious challenges to China’s financial institutions. Commercial banks in all countries bear the brunt of this impact. China’s banking system is still relatively fragile,