香港银行的三级制及其启示魏永芳李扬香港银行业的发展，是香港国际金融中心地位的重要标志。目前香港实行的是银行三级制或称金融三级制，即将接受存款机构划分为持牌银行、有限制持牌银行和接受存款公司三类，统称为认可机构。８０年代以来实行的银行三级制，在保证银行... The Three-level System of Hong Kong Banks and Its Enlightenment Wei Yongfang Li Yang The development of Hong Kong’s banking industry is an important symbol of the status of Hong Kong’s international financial center. At present, Hong Kong implements the three-tier banking system or the financial three-tier system. The three types of banks that are about to accept deposit-taking institutions are licensed banks, restricted licensed banks and deposit-taking companies, collectively referred to as authorized institutions. Since the 80’s three-tier banking system, in ensuring the bank ...