按照加入WTO的承诺,我国已于2006年年底向外资银行全面开放了国内金融市场。但作为发展中国家,我国与发达国家在金融服务的市场化与抵抗风险的能力方面存在较大差距。如何在高度自由化的背景下对外资银行进行审慎监管,是值得进一步研究的问题。 In accordance with its promise of joining the WTO, China has fully opened up its domestic financial markets to foreign-funded banks by the end of 2006. However, as a developing country, there is a big gap between our country and the developed countries in the marketization of financial services and the ability to resist risks. How to supervise the foreign banks under the background of high degree of liberalization is a question that deserves further study.