外资银行与中资银行的信贷竞争研究

发布时间：2018-03-30 19:03

本文选题：外资银行　切入点：信贷竞争　出处：《华中科技大学》2013年硕士论文

【摘要】：随着中国银行业的对外开放，外资银行进入中国并逐步发展壮大，中外资银行的信贷竞争也随之产生。众所周知，信贷业务是银行的传统、核心业务，也是银行的主要利润来源，在此业务上，中外资银行各有优势、劣势，其中，中资银行更熟悉中国信贷市场、拥有更多的网点与客户资源，而外资银行则有更高的管理水平、更丰富的产品创新经验等优势。在各有优势、各有劣势的情况下，外资银行如何扬长避短以获取更多的市场份额、中资银行又如何保持市场份额？此问题值得我们关注与探究。本文首先描述了研究背景及学者对本土银行和外资银行信贷竞争研究。然后，本文对外资银行的优势、劣势及其在企业信贷市场、个人信贷市场的竞争策略进行了阐述与分析。接着，本文根据前人研究及中外资银行的实际情况，基于外资银行根据项目进行贷款决策且具有项目审查技术优势与融资成本优势、中资银行根据历史信用进行贷款决策且具有信息优势的假设，构建了Bertrand模型，分析项目成功概率、项目收益、项目审查技术、融资成本对市场份额及外资银行进入边界的影响。最后，本文还结合现实情况对模型结论进行了分析与讨论。本文主要研究结果如下：（1）项目收益的增加、项目成功概率的增加均会提升外资银行的进入边界，，均会降低外资银行的市场份额；（2）外资银行融资成本的下降会降低外资银行的进入边界，会提升外资银行的市场份额；中资银行融资成本的增加会提升外资银行的市场份额，即融资成本优势有助于外资银行进入、开拓市场；（3）项目审查技术的提升会降低外资银行的进入边界（当项目成功概率低于0.5时）、会增加外资银行的市场份额，即审查技术优势有助于外资银行进入、开拓市场，项目审查技术优势也可弥补信息劣势；（4）在项目成功概率低、项目收益低的情形下，项目审查技术优势比信息优势显得更为重要，因而此时外资银行更容易进入、获取市场份额。
[Abstract]:With the opening to the outside world of Chinese banks, foreign banks have entered China and developed gradually, and the credit competition of Chinese and foreign banks has also come into being.As we all know, credit business is the tradition of banks, the core business and the main source of profits of banks. In this business, Chinese and foreign banks have their own advantages and disadvantages. Among them, Chinese banks are more familiar with China's credit market.Have more network and customer resources, while foreign banks have higher management level, more rich experience in product innovation and other advantages.In the case of different advantages and disadvantages, how can foreign banks take advantage of their advantages and avoid weaknesses in order to gain more market share, and how can Chinese banks maintain market share?This problem deserves our attention and exploration.This paper first describes the research background and scholars' research on credit competition between local banks and foreign banks.Then, this paper expounds and analyzes the advantages and disadvantages of foreign banks and their competitive strategies in the enterprise credit market and personal credit market.Then, according to the previous research and the actual situation of the foreign banks, based on the foreign banks to make loan decisions according to the project and have the advantages of project review technology and financing costs.Based on the assumption that Chinese banks make loan decisions with historical credit and have information advantages, the Bertrand model is constructed to analyze the influence of project success probability, project income, project review technology, financing cost on market share and entry boundary of foreign banks.Finally, the conclusion of the model is analyzed and discussed.The main results of this paper are as follows: (1) the increase of project income and the increase of project success probability will enhance the entry boundary of foreign banks.Both will reduce the market share of foreign banks. The decrease in financing costs of foreign banks will reduce the entry boundaries of foreign banks and will increase the market share of foreign banks, while the increase in financing costs of Chinese banks will increase the market share of foreign banks.That is, the advantage of financing cost is helpful to the entry of foreign banks, and the improvement of project review technology will reduce the entry boundary of foreign banks (when the probability of project success is less than 0.5%, it will increase the market share of foreign banks.That is, the technological advantages of the examination are helpful for foreign banks to enter and open up the market, and the technological advantages of the project review can also make up for the information disadvantage. (4) in the case of low project success probability and low project income,The technical advantage of project review is more important than the advantage of information, so it is easier for foreign banks to enter and gain market share.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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