摘要：中国加入WTO以后,我国政府兑现承诺,取消了外资银行在中国境内经营人民币业务的地域和客户对象限制。在承诺和审慎监管的框架下,允许外资银行对所有客户提供人民币服务。外资银行不断涌入中国金融市场并且不断壮大。本文以花旗银行为例，通过对其在华的经营状况及业务发展进行分析，来了解外资银行在华的扩张情况。本文从花旗的入华方式、业务发展与目标来陈述其在华的发展状况及对中国银行业带来的影响。同时，对于我国目前对外资银行的监管体系提出了相关的建议。

关键词  花旗银行   经营发展   金融监管

Abstract：After China joins WTO, Chinese government promised to cancel foreign banks in China to operate RMB business district and the client object restriction. In the promise and the prudent supervision framework, allow foreign banks to all customers to provide RMB services. A continuous influx of foreign banks in China’s financial market and expand ceaselessly. According to  Citibank as an example, through to its operation in China and business development for analysis, to understand the expansion of foreign banks in China. The paper from the bank into  China, business development, success and failures to a comprehensive statement of its development in China. At the same time, at present to our country on foreign bank supervision system existing problems, put forward the related proposal.

Key words:   Citibank   Business development   Financial supervision

　　本文通过对花旗在华的发展状况来了解外资银行在中国的扩张信息。在我国加入WTO以来，外资银行在华的扩张速度不断加快，在中国金融市场上谋得的利益也越来越多。外资银行进入中国通常是新建投资和入股、并购模式同时进行，中国多家银行都有外资银行的控股。从外资银行选择新建投资的趋势可以看出，其经营的独立自主权在逐渐增大，这将有利于在中国全面开展业务，中国对其监管范围也逐渐减少。

　　从对外资银行的监管政策中可以看出，中国鼓励外资投资者参股中资银行，并对审批程序予以推迟和限制。但如此不完善的监管制度不仅对中国市场造成威胁，同时也影响着中资银行的发展。