摘要:外资银行进入一方面可以促进金融市场的发展和完善，有利于引进先进技术加快我国银行业的金融创新，提高银行业的经营管理水平，有利于中国银行业走向世界；另一方面也使我国银行业面临巨大的挑战和冲击，使其面临巨大的压力，外资银行的大量涌入有可能使我国银行业的经营风险加剧，甚至会影响到我国银行业的稳健发展。本文从我国银行业的现状入手，分析了我国银行业引入外资参股的必要性，并结合具体案例分析了外资参股的利弊，并最终提出应对的策略。

关键词：外资银行  股份  利弊  监管

Abstract:Foreign bank entered while can promote financial markets of development and perfect, conducive to introduced advanced technology speed up in China Banking of financial innovation, improve banking of business management level, conducive to Bank of China industry to world; on the also makes in China Banking faced huge of challenge and impact, makes its faced huge of pressure, foreign bank of large into has may makes in China Banking of business risk increased, even will effect to in China Banking of sound development. This article from the start with the current situation of China's banking industry, analysis of the necessity of introducing foreign capital into banks in China, combined with the advantages and disadvantages of concrete case studies of foreign equity participation, and ultimately make a deal with the strategy.

Keywords: Foreign Banks  Shares  Advantages and Disadvantages  Supervision