摘要 随着我国进入WTO，我国将逐步取消在各方面对外资银行的限制，并在2006年12月11日前对其实现全面的国民待遇,外资银行将成为我国金融市场上重要的一部分.作为我国银行业监管当局,银监会将接受更加严峻的考验.简单的区域监管将无法防御国际间快速传播的风险，这就需要对外资银行总行进行监管。通过对外资银行总行的监管,可以避免部分银行不良资产比率较高、外资银行存款准备金的计提方式的漏洞、外资银行的操作风险、外资法人机构风险突出、业务创新加快的风险等诸多风险。当前，我国还没有对这种监管方式进行完整的规定。本文于法规和具体操作两方面进行全面的阐述，对于该监管方式的具体运做进行了明确的表达。本文还论述了该监管方式的优劣点，通过分析说明运用这种监管为我国带来得好处要远远大于其所带来得坏处。总之，对外资银行总行的监管是我国应对新的银行监管形势的一个重要方法。 Abstract Being a member of WTO, our country will progressively cancel the various restrictions of foreign banks. And before 11st December 2006, the comprehensive national treatment will become true. The foreign banks are going to be one of the most essential parts in our bank industry, the China Banking Regulatory Commission has to accept more severer test. The simple area supervision cannot defend the risks which have been spread fast in the world. In that case, the head offices of foreign bank should be supervised. It can avoid the high rates of harmful property, the loopholes of deposit planning money in foreign banks, the operation risk, foreign capital corporation having more risk and the risk of prompting business creation. In nowadays, we have not perfect rules in such area. This article discussed both statutes and specific operations, especially emphasized the specific operations of supervision. In the article, the author also discussed the advantages and disadvantages of supervision, and explained the advantages of supervision were far more than the disadvantages. To sum up, supervising the head offices of foreign bank is an important way for us to deal with the new situation of bank supervision.