| The end of 2006, as the "Regulations of the PRC foreign banks," the implementation of China's banking industry over a period of 5 years of transition into a completely open time, since then, foreign banks in China have won the national treatment. Since 1980 Japan Export-Import Bank established a representative office in Beijing, the capital since the implementation of opening up China's banking industry has gone through 30 years of history. The gradual deepening of the banking industry by opening up, and steadily promote reform of the banking sector, so that the overall competitiveness of the banking industry has been increasing. China's banking sector in the systems and mechanisms fundamental changes have taken place, achieved a historic leap.In this paper, China's commercial banks as research object, opening up the banking sector after the entry of foreign banks on the Performance of China's commercial banks, namely, traditional business, non-traditional business, operating costs and profitability impact; deepening the reform of commercial banks in the process of what problems they are facing and how to response, all we need to seriously consider the need to make a theoretical answer to the times, and this is important to study this problem in theory. Sense for reality, Review the tenth anniversary of its WTO commitments, China fully opened the fifth anniversary of the banking industry, conscientiously sum up experience, analysis of comparative advantage, finding the gap on how to maintain good posture in the case of opening up China's banking industry continued to expand For improving the depth and breadth of opening up, promote China's banking industry to the direction of international development and the promotion of commercial banks and foreign banks and reasonable competition, enhance financial supervision, and enhance the core competitiveness of great practical significance.This paper is divided into four parts, the first part is an introduction, describes the background and significance of topics and an overview of relevant literature and so on. The second part describes the opening up of China's banking background, history, current situation and the new changes; the third part of the empirical analysis of banking sector opening up of China's commercial banks; fourth part describes the deepening of China's commercial banks to open problems and recommendations. The third part is full focus on the banking industry with a measurement model of opening up of China's commercial bank performance, the following conclusions: Banking after the opening, generally speaking, China's commercial banks have not been substantially affected the traditional business ; China's commercial banks, non-traditional revenue, operating costs and profitability are as foreign banks enter the increase of the degree and non-traditional business, the impact on operating costs, the degree did not change after the year 2002, profitability suffered influence increased after 2002; China's four state-owned commercial banks, non-traditional services have not been materially affected; other joint-stock commercial banks, non-traditional business income as foreign banks enter the increase of the degree; China's four state-owned commercial banks and Other operating costs are joint-stock commercial banks as foreign banks enter the increase of the degree, but the impact on the four major state-owned commercial banks a greater degree; China's four state-owned commercial banks, profitability and the extent of foreign banks in entering independent Other joint-stock commercial banks profitability as foreign banks enter the degree of increase was enhanced.Finally, based on the preceding analysis of proposed macro-proposal is to guide foreign banks to enter the traditional credit market, continues to provide adequate protection of commercial banks, pay attention to the speed of opening up the banking sector, control the size and foreign banks to enter the country, leveraging foreign banks to accelerate the implementation of China's banking industry "going out" strategy; micro-proposal is to develop intermediary business, personnel training, the introduction and anti-drain, the pace of innovation, efforts to develop information technology, in competition with foreign banks. |
