| With the trend of financial internationalization and globalization development continuously and the trend of capital flowing freely at the international level strengthening, every state adapts relaxing regulative measures to promote internationalization of the domestic financial market. So the quantity of the foreign banks entering other country's financial market is increasing. The rapid development of the banks internationalizing has an active effect on the world economics, trade and finance. On the other hand, because of the gigantic risk in the international finance, they have negative effect on the politics and economics of the host countries and even the whole international monetary system. So every country begins attaching importance to the business of the foreign banks and regulates them.On the basis of the study on the developmental situations and regulative theories about the foreign banks, the thesis makes an international comparison on regulative policies and measures to the foreign banks and tries to put forward with the regulative policies and measures, which agree with the state of our country and international practice.The thesis is made up of four parts:The first part, the general developmental situations of the foreign banks. The author studies the developmental course, organization patterns and main managerial activities.The second part, the regulative theoretical basis of the foreign banks. As a part of the banking system, the foreign banks themselves have the problems of the market defects and government interventions as the same to other economic fields. Not only the general theories of economic regulations but also the general theories of the financial regulations can construe the regulative theoretical basis of the foreign banks. These include natural monopoly, externalism, information insufficient and the short-term and speculative market behavior. As a part of banking system, the foreignbanks have not only the general financial characters but also their own ones. Besides the above -mentioned theories we must consider some more specific and direct regulative theories of the foreign banks. These include: the foreign banks have obviously general and social characters; multinational operations add difficulties and risks to the foreign banks.The third part, the international comparison on the regulative principle to the foreign banks and our choice. The thesis firstly raises three main regulative principle on the foreign banks: protectionism principle; principle of equity and reciprocity; principle of national treatment. The thesis analyzes the policies in practice, then put forward with our principle: principle of equity and reciprocity is main and limited protectionism principle is auxiliary according to the state of our country.The fourth part, the international comparison on the regulative measures to the foreign banks and our choice. The thesis makes an international comparison on market entry management, asset risks management, business operation management, market withdrawing management and so on. Combining with our regulative status and capacity, the author raises our regulative measures. 1. Market access management, adjust original country that foreign bank introduces rationally; develop affiliates energetically and limit the individual proprietorship bank properly; adjust distributing area foreign bank, promote national balanced development. 2. Risk management of the assets: (1)Rate of capital sufficient can not be lower than 12% for the foreign bank whose home country is in specially high credit risk, (2)liquidity management, consider rate management and other factors synthetically while exerting it (3)Loan concentration degree management, stipulate the rational loan concentration degree rate , drop to 10-15%; Set up extensive and concrete integrative measures. (4)Establishing the system of deposit insurance. 3. Business operation management require to strengthen the management of RMB business and derive product supervision to foreign bank. 4. Market withdr... |
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