外资银行在华分行的市场退出与风险预防  

The Exit and Risk Prevention of Foreign Banks’Branches in China

作　　者：郑惠淮[1] 

机构地区：[1]中国人民银行淮安市中心支行,江苏淮安223001

出　　处：《上海金融》2010年第5期93-95,共3页Shanghai Finance

摘　　要：我国加入WTO后,外资银行逐步改制为法人以后将享受与中资银行相同的国民待遇,在其经营不善需实施市场退出时,将可以比照中资银行实施相同的退出机制。但是,由于外国银行在华分行不是法人机构,其民事责任是由其总行承担,但其总行并不在中国境内,其适用的法律、总行的经营状况等,是否有能力承担在华分行的民事责任、总行与分行之间的风险阻隔等等,都需要我国出台相应的法律法规来加以调整,尤其是外资银行在华分行市场退出的风险防范与拯救。After China’s accession to WTO, the degree of financial markets opening to foreign investment was improved gradually. When foreign banks transformed into legal entities, they will enjoy the same national treatment as Chinese banks. They could refer to Chinese banks withdrawal mechanism to implement market exiting. However, the branches of foreign banks in China are not corporate body, and the civil liability is borne by the headquarters. Since the headquarter is not in Chinese territory, the law applicable, the headquarters operating conditions and the risk blocking between the headquarters and branches all need to be adjusted by issuing new laws, especially in areas of risk prevention and rescuing when the branches of foreign banks exit the market.

关 键 词：外资银行 在华分行 退出 风险防范 拯救 

分 类 号：F830[经济管理—金融学]