按照我国银行业对外开放的承诺,我国银行业将于今年年底全面开放人民币业务,外资银行将更大规模地进入我国市场,这将对我国银行业竞争格局、市场秩序甚至金融安全产生重大影响。然而我国对外资银行监管的法制体系并不完善,外资银行监管工作也面临着新的压力和挑战。研究我国对外资银行监管的法律制度对于保证金融行业的稳定具有极其重要的现实意义。本文采用比较分析,层层深入的研究方法,从介绍外资银行及其监管制度入手,分析了我国对外资银行监管制度存在的缺陷,进而提出了相应的完善建议。 According to China’s banking industry’s commitment to opening to the outside world, China’s banking sector will fully liberalize its RMB business by the end of this year and foreign banks will enter the domestic market in a larger scale. This will have a significant impact on the banking industry in China’s banking sector, the market order and even financial security. However, the legal system of supervising foreign banks in China is not perfect, and the supervisory work of foreign banks is also facing new pressures and challenges. To study China’s legal system of supervising foreign banks is of extremely important practical significance for ensuring the stability of the financial industry. Based on the introduction of foreign banks and their supervisory system, this paper analyzes the shortcomings of our country’s supervisory system of foreign-funded banks, and puts forward corresponding suggestions.