摘要：在中国加入WTO之后，中国依照承诺，打开了市场经济的大门。同时，银监会正式出台条例，批准外资银行在华开展各项人民币业务。之后，花旗、汇丰、渣打、东亚等一系列外资银行在中国陆陆续续的设立了分行。虽然这些银行在华成立的日期才只有短短的几年。不过，它们的实力不容小觑。外资银汉虽然没有本土化银行拥有那么多本地的客户群体。不过经过了那么多年的积累经验，和不断改革。越来越多的市民开始倾向于选择“服务好，效率高”的外资银行了。 通过本文，我想通过近年来的相关数据，资料来进一步分析外资银行是选择了哪那些途径，从初来乍到的，对我们来说新奇的陌生银行，逐渐发展成为今日让人赞叹，让人信服的，并有实力可以在这个发展迅猛的经济体中站稳脚跟的本土化的银行。在这过程中，中国的经济市场在其中给外资银行带来了多大的挑战和提供了多少多元化的机会也是将要探讨的问题之一。

关键字：外资银行 本土化 路径 机遇 竞争 促进

Abstract: After China’s entry into WTO,China opened the door of the market-oriented economy as promised. At the same time,CBRC regulated that Foreign Banks were allowed to launch RMB-related operations in china. CITI,HSBC,Standard Charted Bank,BEA and several other foreign banks started to set up branches in China. From then on,they’ve gained amazing progress. Compared with Chinese-funded banks,foreign banks do not enjoy such a big amount of local customers. But after years of reforming and advancing,an increasing number of paople tend to choose foreign banks. So in this article,I want to discuss about by which method do these forign banks make their way into the fierce-competed chinese economy.And meanwhile, what kind of opportunities and challenges they would meet will also be discussed in the article.

Key words: Foreign banks opportunity Competition