摘要:随着中国改革开放的不断深入，作为中国经济枢纽的金融业按照世贸组织的协定逐步对外开放，并面临外资银行的挑战。近几年，外资银行资产所占比例虽没有大的变动，但其快速发展已经给国有银行带来了很大的冲击。自美国金融危机爆发以来，全球性的金融海啸已经对全球银行业产生了巨大冲击和深刻影响，而外资银行更是遭受了比中资银行更沉重的打击，各外资银行纷纷受到波及。在金融危机冲击下，外资银行对于中国内地市场的倚重程度明显上升。中国成为外资银行突围的关键因素之一。

首先，本文引用外资银行进入的背景——我国金融制度变迁、金融全球化、加入WTO；第二，本文介绍了外资银行在我国的发展历程和特点,分析了外资银行在我国的四个发展阶段。第三，是论文的重点和核心，分别论述外资银行进入中国的动因及金融危机下外资银行对中国金融业的影响。最后，对我国银行业提出建议。

由于外资银行的进入会对我国银行业形成严峻的挑战，只有了解外资银行进入的动因及对我国银行业的影响，我们才能做好充分的准备，从容应对。因此，研究外资银行进入的动因及对我国银行业的影响，探讨应对策略，将对深化我国银行业改革、维护银行业健康发展，维持中资银行与外资银行在竞争中相互促进发展的良好局面，保证金融行业的稳定，具有极其重要的理论与现实意义。

关键词： 外资银行；在华经营；进入动机

Abstract:As China's reform and opening, as China's economic hub of the financial sector in accordance with the WTO agreement on the gradual opening up, and facing the challenges of foreign banks. In recent years, the proportion of foreign bank assets, although there is no big change, its rapid development has to State-owned bank had resulted in major impact. Since the U.S. financial crisis, global financial crisis on the global banking industry has had a huge impact and profound impact, and more foreign banks than in banks suffered even heavier blow to the foreign banks have been affected. Under the impact of the financial crisis, foreign banks rely heavily on the Chinese mainland market significantly increased the degree. Foreign banks in China to become one of the key breakthroughs. So on our foreign banks was very important.Foreign banks went into banking formation challenges only understand foreign entry's motivation and influence on, we can be prepared to handle.

First, the article refers to the background of foreign bank entry - Change of China's financial system, financial globalization, to join WTO; Secondly, the article describes the development of foreign banks in China's history and characteristics. Follow, by the key papers and core. Foreign banks into China were discussed the motivation and the financial crisis, foreign banks in China under the impact of the financial industry. Finally, to make recommendations on China's banking industry.

Therefore, the study of foreign capital into the motivation and the impact on China's banking sector to explore the coping strategies, will deepen the reform of China's banking industry to safeguard the healthy development of the banking industry, maintenance of capital banks and foreign banks compete with each other to promote development in a good situation guarantee the stability of the financial industry, has an extremely important theoretical and practical significance.

Keywords: Foreign banks; Operating in China; Motives;