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“入世”后 ,我国业已作出承诺的服务市场开放领域包括金融、保险等 3 0多个部门 ,各种市场准入限制必定日渐减少直至最后取消。具体开放领域及进程为 :(1 )银行业 :入世后两年外资银行可从事中国企业的人民币业务 ,入世后 5年全面开放地域和客户限制。 (2 )保险业 :两年取消对外资保险机构的城市控制 ,5年后取消许可证限制。允许外国保险公司拥有 50 %的股权。 (3 )证券业 :外国金融公司允许在基金管理企业中持股 3 3 % ,3年后增至 4 9% ,外国股票包销商可以在合资承销公司中占3 3 %股份。据此 ,外资金融机构尤其是经营性机构将从沿海开放城市逐渐向内地扩散 ,经营范围也将扩大到人民币、债券、国内结算等等 ,竞争将日趋激烈 ,呼唤着我国金融服务业立法的及时创制。
After China’s accession to the WTO, China has already promised more than 30 sectors including services and markets for financial services and insurance. The various market access restrictions must be gradually reduced and finally canceled. The specific areas and processes for opening up are as follows: (1) Banking: Two years after China’s accession to the WTO, foreign-funded banks can engage in the renminbi business of Chinese enterprises. In the five years after China’s accession to the WTO, it has fully liberalized geographical and customer restrictions. (2) Insurance: Cancel the urban control of foreign-funded insurance institutions for two years and cancel the license restrictions after five years. Allow foreign insurance companies to own 50% of the shares. (3) Securities: Foreign financial companies allowed to hold 33% in fund-managed companies and 49% in 3 years. Foreign underwriters can hold 33% of the joint venture underwriting companies. Accordingly, foreign-funded financial institutions, especially operational institutions, will gradually expand their business from the coastal open cities to the Mainland, and their business scope will also be expanded to RMB, bonds, domestic settlement, etc. The competition will become fiercer and fiercer every day, calling for the promptness of China’s financial service industry legislation create.