中国取消银行、资产管理公司外资入股比例的限制 作者：陈晖     时间：2018-08-24    来源：银保监会

银保监会发布《中国银行保险监督管理委员会

关于废止和修改部分规章的决定》

为贯彻党的十九大关于推动形成全面开放新格局的政策精神，推动已宣布的扩大银行业开放举措尽快落地，银保监会发布《中国银行保险监督管理委员会关于废止和修改部分规章的决定》（以下简称《决定》），取消中资银行和金融资产管理公司外资持股比例限制，实施内外资一致的股权投资比例规则，持续推进外资投资便利化。

《决定》主要有如下4个方面内容：

一是废止《境外金融机构投资入股中资金融机构管理办法》。遵循国民待遇原则，不对外资入股中资金融机构作单独规定，中外资适用统一的市场准入和行政许可办法。

二是取消《中国银监会中资商业银行行政许可事项实施办法》、《中国银监会农村中小金融机构行政许可事项实施办法》和《中国银监会非银行金融机构行政许可事项实施办法》对外资入股中资银行和金融资产管理公司的股比限制。删去上述3部许可办法相关条款中关于单个境外金融机构及其关联方作为发起人或战略投资者向单个中资商业银行、农村商业银行以及作为战略投资者向单个金融资产管理公司的投资入股比例不得超过20%、多个境外金融机构及其关联方投资上述机构入股比例合计不得超过25%的规定。

三是明确外资入股的中资银行的监管属性和法律适用问题。按照中外资同等对待的原则，明确境外金融机构投资入股中资商业银行和农村中小金融机构的，按入股时该机构的机构类型实施监督管理，不因外资入股调整银行的机构类型。为中外资入股银行业创造公平、公开、透明的规则体系，保持监管规则和监管体系的稳定性和连续性。

四是明确境外金融机构投资入股中资银行，除需符合相关的金融审慎监管规定外，还应遵守我国关于外国投资者在中国境内投资的外资基础性法律。

     

China removed limits on foreign holdings in domestic banks and asset management companies, formalizing a previously announced step toward opening its $40 trillion financial sector.

Overseas financial institutions will now be treated the same as local companies, the China Banking and Insurance Regulatory Commission said in a statement late Thursday, taking forward a process started last year. Foreign stakes were previously capped at 20 percent for a single institution and 25 percent for a group of foreign investors.

Timeline:

• NOVEMBER: China unveils plan to remove foreign ownership limits on banks while allowing overseas firms to take majority stakes in local securities ventures, fund managers and insurers

• APRIL: Xi vows to push ahead with the opening and central bank sets deadlines

• MAY: UBS Group AG becomes first global bank to apply for a majority stake in its China securities venture 

• JUNE: China announces formal rules to ease foreign investment limits on a range of industries from banking to agriculture, updating its so-called negative list of industries where overseas investors are restricted or banned

Nomura Holdings Inc. and JPMorgan Chase & Co. have sought to take advantage of the easing, including by setting up joint ventures in China. Bank of Communications Co. would be open to HSBC Holdings Plc raising its stake in the company, should the Hong Kong-based bank wish, Bocom’s board secretary Gu Sheng said on Thursday.

Foreign banks held 2.9 trillion yuan ($420.1 billion) of assets in China at the end of 2016, some 1.3 percent of the total and the lowest share since 2003, CBIRC data show. They earned 12.8 billion yuan in the nation last year, less than 1 percent of the profits at Chinese counterparts.

China’s banking sector is dominated by connected state-owned players, and the size and complexity of the market will make foreign peers cautious, according to Bloomberg Economics Chief Economist Tom Orlik. Analysts also said China’s capital account opening -- with all the volatility that can entail -- will need to resume so investors know they can get their cash out, not just in.

The prospective gains, however, are enticing. Earnings at foreign banks are set to grow more than 10 times by 2030, according to Bloomberg Intelligence. Meanwhile, for foreign money managers, a 6 percent market share by 2030 would mean $1.8 trillion in assets, according to a BI estimate published in May.

— With assistance by Xiao Lucille Liu, and Jun Luo

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