21世纪堪称是一个资本流动全球化的时代,在国际资本全球范围内广泛从事直接或间接投资的背景下,以“对外开放”为基本国策的中国也正以积极的姿态投身于全球化的进程当中。近年来,伴随着金融领域的逐步放开,尤其是银行业的对外开放,引发了来自业界乃至全社会的极大争议,是否应当通过引进外资的方式推进改革的问题成为争论的焦点。随着建行在港成功上市,喝彩的声音夹杂着反对的呼声更是此起彼伏,在过去的2005年里,一些来自金融机构和经济学界的反对者更是尖锐地抛出“国有资产贱卖论”。本文将对最具代表性的三种“主流批评观点”在分析的基础上进行有力回应,并指出面对“狼来了”的威胁,中国银行业究竟应选择以什么样的姿态面对。本文仅仅以反思的方式解读引进外资推进银行业改革的作用与意义,并未采用经济学模型和现实数据进行严密论证,但却在一个恰当的时间提出了一个恰当的问题。 The 21st century can be described as an era of globalization of capital flows. Given the widespread direct or indirect investment in international capital globally, China, with its basic policy of “opening to the outside world,” is also actively engaging itself in the globalization Process. In recent years, along with the gradual liberalization of the financial sector, especially the banking sector’s opening to the outside world, it has caused great controversy from the industry and even the whole society. Whether the reform should be promoted through the introduction of foreign capital has become the focus of controversy. With the successful listing of CCB in Hong Kong, the applause of voices is accompanied by opposition calls one after another. In the past 2005, some opponents from financial institutions and economists even more sharply dished out the “sale of State-Owned Assets” . This article will respond to the three representative “mainstream criticisms” on the basis of analysis and points out that in the face of the threat of “the wolf coming,” what should China’s banking industry choose to do? In this paper, we only interpret the role and significance of introducing foreign capital to promote banking reform in a reflective way. We did not use the economic model and the real data to conduct rigorous argument. However, we put forward an appropriate question at an appropriate time.