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Automobiles
The new rules will cut import tariffs on automo-  biles to 25 percent by mid-2006 from the present  80-100 percent, under the U.S. agreement. The  rules require China to lift all restrictions on catego- b ry, type and model of vehicles produced in Sino-  EU joint -ventures within two years.
China plans to cut import tariffs to 60 -80 per-  cent in the next two years as the first step in duty  cuts. The domestic auto industry is expected to be one of the most affected sectors. Cheaper imports   could also affect foreign auto joint ventures, such as Shanghai General Motors and Shanghai Volk-  swagen. Domestic automakers also face competi-  tion from a sharp rise in car and auto parts im-  ports, encouraged by steep cuts in tariffs.
Banking
Foreign banks will be allowed to conduct do-  mestic yuan currency business with Chinese firms  two years after WTO accession and with Chinese  individuals five years after accession, the U.S.
deal says, geographic restrictions will be lifted after  five years.
Foreign banks will make inroads in yuan busi-  ness in major cities like Shanghai and Beijing, bJ  will not pose an immediate threat to the Big Four  state banks, which have vast branch networks and  a market share of more than 70 percent. Domestic  banks will lose staff to foreign rivals. Smaller com- mercial banks may bear the brunt of competition.  The new rules have pushed the banking sector to  expand services, create cooperative pacts, list on  the stock market, get rid of bad debts and merge  ith other banks to cope with the challenges of for-  eign competition.
Financial Securities
The new rules will permit minority foreign-  owned joint ventures to engage in fund manage-  ment on the same terms as Chinese firms. Three years after accession, foreign firms will be allowed
49 percent stakes in joint ventures.
Young domestic brokerages are seeking part-  nerships with foreign securities houses to make use  of their expertise and capital strength. China Inter-  national Capital Corp., a joint venture investment bank of China Construction Bank and Morgan Stan- ley Dean Witter, is expected to fare well in under-  writing domestic and overseas share offerings and  other investment banking services. Already, foreign  fund managers are linking up with domestic firms,  providing foreign know-how for running mutual  funds, a first step towards setting up joint venture  fund management companies in China.
Insurance
The new rules will limit foreign stakes to 50  percent. The EU has said the insurance market  would be opened two years earlier than outlined in  the U.S. agreement. The U.S. deal calls for Bei-  jing to phase out geographical restrictions in three  years, to allow foreign insurers into group, health  and pensions over five years, and permit wholly  owned non-life subsidiaries in two years. Foreign  insurers are now largely restricted to Shanghai and
Guangzhou.
European insurers, offered seven new busi-  ness licenses, are the big winners. Two of the li-  censes have been issued. Domestic insurers, no~  enjoying a 99 percent market share, will face  strong competition from foreign firms. China has  granted licenses to 16 foreign insurers, including  five U.S. firms and seven from Europe. Some  U.S.  Insurers,  such as American International  Group, hold more than one license.
Agriculture
Under the new rules, duties for agricultural  products will fall from 22 percent to 17.5 percent  for most countries. The new rules will cut import  tariffs on products such as cooking oil, butter, or-  anges and wine from the present 25 to 85 percent  to 9 to 18 percent.
China has already accepted the first shipments  of U.S. pork and beef. China s producers will face  major challenges because tariff cuts and freer im-  port quotas will mean domestic grains like corn and  soybeans must compete with higher quality im-  ports. Cheaper meat imports will threaten the local  livestock industry.
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