人民币业务对外资银行全面开放
文章来源: 文章作者: 发布时间:2006-11-18 02:43 字体: [ ]  进入论坛
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A picture of HSBC.
Foreign banks need to convert their branches in China into locally incorporated companies to conduct the coveted1 renminbi retail2 business, according to rules released late on Wednesday. The requirement is aimed at preventing global financial woes3 of foreign banks from spilling over to their branches in China, Song Dahan, vice-minister of the State Council's Legislative4 Affairs Office, said yesterday. When a bank registered overseas is hit by a financial crisis, the interests of depositors in the country where the bank is registered are usually considered ahead of depositors at branches in other parts of the world. So the local-incorporation5 requirement will help protect Chinese individuals who deposit money in foreign banks operating in China, Song told a news conference arranged by the State Council Information Office. "This requirement is consistent with China's WTO (World Trade Organization) commitments," Song said. "It is also in line with international norms and the principle of prudential supervision6 supported by the WTO." "We believe that local incorporation will enable us to further expand our network and service range, in particular our RMB financing ability, for the benefits of the customers in Chinese market." Richard Yorke, China CEO of HSBC, said in a statement. The rules, which take effect on December 11, fulfil the last commitments on opening up the banking7 sector8 China made when it entered the WTO five years ago. From December 11, Chinese and foreign banks will be under a unified9 regulatory system; and the current restrictions10 on overseas banks' locations and choice of customers will be lifted.   Currently, foreign bank branches need the regulator's approval to offer any kind of service involving the Chinese currency. From December 11, all foreign branches will be allowed to accept time deposits of at least 1 million yuan (US$125,000) by private Chinese individuals.
根据本周三晚些时候公布的《中华人民共和国外资银行管理条例》规定,我国将对在中国注册的外资法人银行全面开放人民币零售业务。 昨天,据国务院法制办公室副主任宋大涵解释,条例规定只有在中国注册的外资法人银行才可全面经营人民币业务,主要是为了防止外资银行总行的金融危机波及到其在中国的分行。 一旦外资银行的总行发生金融危机,通常是其本国的存款人得到优先清偿,而其分行所在国的存款人则无法得到优先清偿保障。 宋主任在国务院新闻办公室举办的新闻发布会上说,要求外资银行分行转制可以保护在外资银行存款的国内居民的利益。 宋主任说:“这一规定和我国开放人民币业务的入世承诺相一致,也符合国际惯例和世贸组织允许的审慎性原则。” 汇丰银行中国区首席执行官翁富泽在一份声明中说:“我们相信,在中国注册的法人银行将有助于汇丰进一步拓展服务网点和业务范围,尤其是增强汇丰人民币融资的能力,以使中国的客户受益。” 此条例将从下月11日起开始实施,由此,中国已全面履行五年内开放银行业的入世承诺。 从12月11日起,中国将对中外资银行实行统一的监管标准,并将取消外资银行在华经营人民币业务的地域和客户限制。 目前,外资银行分行需经过银监会的批准才可经营人民币业务。从12月11日起,所有外资银行分行可以吸收100万元以上的居民个人定期存款。    
 
 
 
Vocabulary:      


local incorporated company   : 指“在华注册的外资银行”


点击收听单词发音收听单词发音  

1 coveted 3debb66491eb049112465dc3389cfdca     
adj.令人垂涎的;垂涎的,梦寐以求的v.贪求,觊觎(covet的过去分词);垂涎;贪图
参考例句:
  1. He had long coveted the chance to work with a famous musician. 他一直渴望有机会与著名音乐家一起工作。
  2. Ther other boys coveted his new bat. 其他的男孩都想得到他的新球棒。 来自《简明英汉词典》
2 retail VWoxC     
v./n.零售;adv.以零售价格
参考例句:
  1. In this shop they retail tobacco and sweets.这家铺子零售香烟和糖果。
  2. These shoes retail at 10 yuan a pair.这些鞋子零卖10元一双。
3 woes 887656d87afcd3df018215107a0daaab     
困境( woe的名词复数 ); 悲伤; 我好苦哇; 某人就要倒霉
参考例句:
  1. Thanks for listening to my woes. 谢谢您听我诉说不幸的遭遇。
  2. She has cried the blues about its financial woes. 对于经济的困难她叫苦不迭。
4 legislative K9hzG     
n.立法机构,立法权;adj.立法的,有立法权的
参考例句:
  1. Congress is the legislative branch of the U.S. government.国会是美国政府的立法部门。
  2. Today's hearing was just the first step in the legislative process.今天的听证会只是展开立法程序的第一步。
5 incorporation bq7z8F     
n.设立,合并,法人组织
参考例句:
  1. The incorporation of air bubbles in the glass spoiled it.玻璃含有气泡,使它质量降低。
  2. The company will be retooled after the incorporation.合并之后的公司要进行重组。
6 supervision hr6wv     
n.监督,管理
参考例句:
  1. The work was done under my supervision.这项工作是在我的监督之下完成的。
  2. The old man's will was executed under the personal supervision of the lawyer.老人的遗嘱是在律师的亲自监督下执行的。
7 banking aySz20     
n.银行业,银行学,金融业
参考例句:
  1. John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
  2. He possesses an extensive knowledge of banking.他具有广博的银行业务知识。
8 sector yjczYn     
n.部门,部分;防御地段,防区;扇形
参考例句:
  1. The export sector will aid the economic recovery. 出口产业将促进经济复苏。
  2. The enemy have attacked the British sector.敌人已进攻英国防区。
9 unified 40b03ccf3c2da88cc503272d1de3441c     
(unify 的过去式和过去分词); 统一的; 统一标准的; 一元化的
参考例句:
  1. The teacher unified the answer of her pupil with hers. 老师核对了学生的答案。
  2. The First Emperor of Qin unified China in 221 B.C. 秦始皇于公元前221年统一中国。
10 restrictions 81e12dac658cfd4c590486dd6f7523cf     
约束( restriction的名词复数 ); 管制; 制约因素; 带限制性的条件(或规则)
参考例句:
  1. I found the restrictions irksome. 我对那些限制感到很烦。
  2. a snaggle of restrictions 杂乱无章的种种限制
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