主题：【求助】本人经济白痴,想问一下这里的大虾,外资控股银行是怎么回事 -- 刺客999

没有必要

这年头做中国人真要有百折不悔的心态

俺们比清朝的时候已经好的太多了

再说, 如果政府真的腐烂掉要卖掉银行做别人的二奶, 我们说什么也没用了

您可以在WTO网站上找到此协议。根据该协议规定，中国对金融业的保护期限为5年，即自加入WTO之日（2001年11月11日）起5年后，中国应对所有WTO成员国开放金融市场，对其它WTO成员国的金融机构实行国民待遇，据此其它WTO成员国金融机构有权控股中资银行。反之也成立。如果今天中国银行买断美州银行，最起码在法律上是没有什么障碍的。唯一的阻力来自于美国国会，因为任何时候它都可以国家安全为由否决交易，一如它们在中海油收购Unicol中做的那样。当然，美国过得了初一，我们就可以过十五，比如我们政府就曾威胁要否决凯雷投资对徐工的收购。

坦率地说，我觉得在这个问题上您过虑了。如今的世界即竞争又合作，合作是为了获取竞争优势。在全球化不断深入发展的今天，没有一个国家可以大小通吃或者吃独食，既便强大如老美者也力所不逮，而况中国乎？中国在实物生产领域独领风骚的同时，也不能不考虑利益平衡，分一杯羹给其它国家，不然别的国家就可能会对中国关闭市场，那样的话生意就没办法做下去了。金融方面的损失，如果真如您担忧的那样的话，我相信也是没有办法的事，毕竟我们还没有强大到可以随意制定修改规则的地步！

如果您熟悉《教父》，您可能记得教父Michael在将家族权力交由他的侄子时，说过一句话，"It is the price you have to pay." 国与国之间的关系和《教父》中描述的世界并无二致，冷酷而血腥的丛林法则是仍然是支配国家关系的根本准则。所以，我们需要少发点牢骚，多做点研究，努力做好自己的本职工作。只有中国腰杆子硬了，才有能力使国际规则向着有利于自己的方向改变。

中国工行，06年面临的主要问题是能否上市成功。就其财务报表的可信度，是否一股原始股能价值一元净资产，不好说。

对于这个或那个银行的财务报表应该打多少折扣，是个不同市场间争夺定价权的问题。哪个市场的效率较高，规模较大，其话语权也越大。

在附录9中提到了金融业：

WTO Package - Annex 9: Schedule of Specific Commitments on Services List of Article II MFN Exemptions

2006-11-15 13:49:44 China Daily

As indicated in paragraph 343 of the Report of the Working Party on the Accession of China (WT/ACC/CHN/49), the Schedule of Specific Commitments on Services resulting from the negotiations between the People's Republic of China and WTO Members is annexed to the Protocol of Accession of China and is reproduced hereunder.

Banking and Other Financial Services (excluding insurance and securities)

Banking services as listed below:

a. Acceptance of deposits and other repayable funds from the public;

b. Lending of all types, including consumer credit, mortgage credit, factoring and financing of commercial transaction;

c. Financial leasing;

d. All payment and money transmission services, including credit, charge and debit cards, travellers cheques and bankers drafts(including import and export settlement);

e. Guarantees and commitments;

f. Trading for own account or for account of customers: foreign exchange.

Modes of supply: (1) Cross-border supply (2) Comsumption abroad (3) Commercial presence (4) Presence of natural persons

Limitations on market access

(1) Unbound except for the following:

- Provision and transfer of financial information, and financial data processing and related software by suppliers of other financial services;

- Advisory, intermediation and other auxiliary financial services on all activities listed in subparagraphs (a) through (k), including credit reference and analysis, investment and portfolio research and advice, advice on acquisitions and on corporate restructuring and strategy.

(2) None

(3) A. Geographic coverage

For foreign currency business, there will be no geographic restriction upon accession.

For local currency business, the geographic restriction will be phased out as follows:

Upon accession, Shanghai, Shenzhen, Tianjin and Dalian; Within one year after accession, Guangzhou, Zhuhai, Qingdao, Nanjing and Wuhan;

within two years after accession, Jinan, Fuzhou, Chengdu and Chongqing; within three years after accession, Kunming, Beijing and Xiamen; Within four years after accession, Shantou, Ningbo, Shenyang and Xi'an.

Within five years after accession, Jinan, Fuzhou, Chengdu and Chongqing; within three years after accession, Kunming, Beijing and Xiamen;

Within four years after accession, Shantou, Ningbo, Shenyang and Xi'an. Within five years after accession, all geographic restrictions will be removed.

B. Clients

For foreign currency business, foreign financial institutions will be permitted to provide services in China without restriction as to clients upon accession.

For local currency business, within two years after accession, foreign financial institutions will be permitted to provide services to Chinese enterprises.

Within five years after accession, foreign financial institutions will be permitted to provide services to all Chinese clients.

Foreign financial institutions licensed for local currency business in one region of China may service clients in any other region that has been opened for such business.

C. Licensing

Criteria for authorization to deal in China's financial services sector are solely prudential (i.e., contain no economic needs test or quantitative limits on licenses). Within five years after accession, any existing non-prudential measures restricting ownership, operation, and juridical form of foreign financial institutions, including on internal branching and licenses, shall be eliminated.

Foreign financial institutions who meet the following condition are permitted to establish a subsidiary of a foreign bank or a foreign finance company in China:

- total assets of more than US $10 billion at the end of the year prior to filing the application.

Foreign financial institutions who meet the following condition are permitted to establish a branch of a foreign bank in China:

- total assets of more than US $20 billion at the end of the year prior to filing the application.

Foreign financial institutions who meet the following condition are permitted to establish a Chinese-foreign joint bank or a Chinese-foreign joint finance company in China:

- total assets of more than US $10 billion at the end of the year prior to filing the application.

Qualifications for foreign financial institutions to engage in local currency business are as follows:

- three years business operation in China and being profitable for two consecutive years prior to the application, otherwise, none.

(4) Unbound except as indicated in Horizontal Commitments.

Limitation on national treatment

(1) None

(2) None

(3) Except for geographic restrictions and client limitations on local currency business (listed in the market access column), foreign financial institution may do business, without restrictions or need for case-by-case approval, with foreign invested enterprises, non-Chinese natural persons, Chinese natural persons and Chinese enterprises. Otherwise, none.

(4) Unbound except as indicated in Horizontal Commitments.

Additional commitments

For financial leasing services, foreign financial leasing corporations will be permitted to provide financial leasing service at the same time as domestic corporations.

并没有说要允许外资控股中国的银行，只是说，在条件满足的情况下，允许其设立分支机构，进行人民币业务。

所以这一办法是超出了当初加入WTO承诺的。

时者，势也。

当年卖掉股份的时候，坏账率高，银行账面是亏损的，外国人也不知道你的底细，就拼命按最坏的设想去说，中国在金融上也没有经验，更不可能有什么话语权，股份卖的低是很自然的事情。而且当时中国的资本市场也搞得不好（这个算是我们的问题），如果在国内上市根本搞不到钱，现在看来30亿美元很平常，当年整个A股市场存量资金也才2，300亿而已，240亿差不多就是10分之一，根本不可能发得出去。

这两年资本市场起来了，银行也赚钱了，外国金融机构拿了股份或者在管理上指点一下，也不会那么猛力唱衰，还要吹一吹中国强大的经济基本面，股价自然就水涨船高。这个时候再来看当年确实卖的便宜了，但是这个是没有办法的事情，不付出代价是不可能成长的。

这个是肯定有内幕的，真是太黑了啊

非要2块多卖给外国人。真是不可思义啊。

外资可以控股中国银行的话.那

<鲍尔森建议中国：允许外资控股中国银行业>

为什么鲍尔森只是跑来提建议.都是必须了嘛,合同

都黑底白字了,那还建议个啥.

北京师范大学钟伟教授表示，按照中国加入世贸（WTO）时所作的承诺，2006年12月起在中国注册的外资法人银行可以全面经营人民币业务。鲍尔森关于外资控股中国的银行建议，则是超出WTO规则的要求。

，

对所有权的形式不做非审慎性限制

也就是说，不限制控股

但处于特定原因（比如国家安全）可以限制（操作可参看美议会阻止中海油收购美国石油公司）