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由于历史原因,中国城市商业银行普遍存在公司治理结构不完善、内控制度不健全、产品开发创新能力不足等问题。这严重阻碍了城市商业银行体系的健康发展。加之,当前大多境内民营企业缺乏必要的银行经营管理经验、人才和技能,部分民营企业更是将银行作为融资工具。仅仅依靠商业银行自身改革和境内民营企业的加盟难以触及银行的问题根源,城市商业银行需要借助境外战略投资者的新鲜力量,来推动改革和发展进程。目前,我国已有上海、南京、西安、济南、北京、杭州、南充、天津、宁波、重庆等城市商业银行引进了境外战略投资者。笔者自2002年起有幸参与了其中南京、西安、杭州、南充、重庆商业银行引进境外战略投资者项目的法律事务,这其中经历了我国银行业对外开放的最关键的几个阶段,伴随着这种巨大的变革,城市商业银行引进境外战略投资者也经历了从最初的摸索和试点到逐步目标明确成绩斐然的过程。笔者认为将城市商业银行在引进境外战略投资者的实践过程中应注意的几个重要的法律问题进行必要的研究和探讨,对指导今后的有关工作很有意义。一、排他
Due to historical reasons, China’s city commercial banks generally have problems such as imperfect corporate governance structure, inadequate internal control system, and insufficient product development and innovation capabilities. This seriously hindered the healthy development of urban commercial banking system. In addition, most of the current domestic private enterprises lack the necessary bank management experience, talent and skills, some private enterprises even use the bank as a financing tool. Relying solely on the reform of commercial banks themselves and the joining of domestic private enterprises are hard to reach the root of the problems of banks. City commercial banks need to rely on the fresh power of foreign strategic investors to promote the reform and development process. At present, China has introduced strategic foreign investors from urban commercial banks in Shanghai, Nanjing, Xi’an, Jinan, Beijing, Hangzhou, Nanchong, Tianjin, Ningbo and Chongqing. The author has been fortunate enough to participate in the legal affairs of introducing strategic foreign investor projects in Nanjing, Xi’an, Hangzhou, Nanchong and Chongqing Commercial Banks since 2002, which has experienced the most crucial stages of China’s banking industry’s opening to the outside world. The huge change, the introduction of overseas strategic investors by city commercial banks also experienced a clear success from the initial exploration and pilot to the gradual goal. The author believes that it is of great significance to conduct necessary research and discussion on several important legal issues that city commercial banks should pay attention to in the process of introducing overseas strategic investors in guiding future work. First, exclusive