本文系统地论述了国际金融服务贸易自由化的静态和动态收益 ,并指出对于发展中国家来说 ,这些收益仅仅是潜在的 ,要想使其变为现实 ,还有赖于许多约束条件的改善。这些约束条件的存在决定了发展中国家国际金融服务贸易自由化改革的渐进性和艰巨性。发展中国家在对外开放金融服务贸易市场的同时 ,必须辅之以必要的配套改革。这些约束条件消除的时候 ,才是本国金融业全面参与国际竞争的时刻。 This paper systematically discusses the static and dynamic benefits of liberalization of international financial services trade and points out that these benefits are only potential for developing countries and that many of the constraints need to be improved if they are to become a reality. The existence of these constraints determines the gradualness and arduousness of the liberalization of international financial services trade in developing countries. While opening up the financial services market to the outside world, developing countries must be supplemented with the necessary complementary reforms. When these constraints are eliminated, it is the time for the domestic financial industry to fully participate in the international competition.