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《中华人民共和国外资银行管理条例》生效已近一年,意味着中国兑现了入世时的承诺,中国银行业向外资打开大门,允许在华外资法人银行为中国客户提供全面的金融服务。由于我国并没有建立完善的外资银行市场退出监管机制,使我国存款人在外资银行资不抵债时将面临很大的风险。因此,研究中国外资银行市场退出机制具有重要的意义。
The entry into force of the “Regulations of the People’s Republic of China on Administration of Foreign-funded Banks” means that China has honored its commitment at the time of accession to the WTO and that China’s banking sector will open its doors to foreign investment and allow foreign-funded banks in China to provide comprehensive financial services to Chinese customers. Since China does not have a perfect regulatory system to withdraw from the market of foreign-funded banks, depositors in our country will face great risks when they are insolvent. Therefore, it is of great significance to study the exit mechanism of Chinese foreign banks.