外资银行进入对我国银行经营效率的影响研究

发布时间：2018-11-18 11:40

【摘要】：2006年底我国履行“入世”承诺，取消对外资银行经营人民币相关业务的客户和地域限制，取消在华经营的非审慎限制，许多外资银行不仅以参股国内银行、设立分支机构等方式增扩市场份额，还进驻我国农村金融市场，另有部分外资银行在减持中资银行股份，外资银行的进入对我国整个银行体系的影响呈现出新的特点和趋势。在这种条件背景下，，通过理论与实证相结合来研究外资银行进入对我国银行经营效率的影响问题，有着重要的理论和现实意义。本文基于现有国内外文献，首先采用定性的方法，阐述了外资银行进入东道国的相关理论，外资银行进入我国的概况，以及银行经营效率的含义及度量方法等，为后文分析奠定了理论基础。其次，从定量分析的角度，针对放松限制后2007-2011年间的银行样本数据，运用财务指标法和两阶段关联DEA方法测度了我国银行的经营效率值，并通过改进的面板数据模型，新加入品牌份额变量来衡量外资银行的进入程度，进而实证分析了外资银行进入对我国银行经营效率的影响，回归结果表明：外资银行的进入整体上促进了我国银行经营效率的提升，并且对中小商业银行的影响更为突出；外资银行的进入和发展对国内银行的传统业务带来一定的冲击，抢占了部分市场份额和客户资源，同时也促进了国内银行产品和业务的创新，使非利息收入得到较大提高。最后，基于前述实证研究结论，提出了以下几点建议：完善银行制度体系；加大银行业对内对外开放；健全银行业监管体系；全面发展银行业务体系；注重品牌文化建设和人才建设等。
[Abstract]:At the end of 2006, China fulfilled its promise to enter the WTO by removing the restrictions on the customers and regions of foreign banks engaged in RMB related business, and the non-prudential restrictions on foreign banks operating in China. Many foreign banks not only take a stake in domestic banks, The establishment of branches and other ways to increase market share, but also into China's rural financial market, and some foreign banks in the reduction of shares in Chinese banks, foreign banks to the impact of the entire banking system in China has shown new characteristics and trends. Under this condition, it is of great theoretical and practical significance to study the influence of foreign banks' entry on the efficiency of banking management in China through the combination of theory and practice. Based on the existing domestic and foreign literature, this paper first uses qualitative method to explain the relevant theories of foreign banks entering the host country, the general situation of foreign banks entering our country, and the meaning and measurement method of bank management efficiency. It lays a theoretical foundation for the later analysis. Secondly, from the angle of quantitative analysis, aiming at the bank sample data from 2007 to 2011 after the relaxation of restrictions, this paper uses the financial index method and two-stage correlation DEA method to measure the operating efficiency of Chinese banks, and through the improved panel data model. The new brand share variable is added to measure the entry degree of foreign banks, and then the impact of foreign banks entry on the efficiency of Chinese banks is analyzed empirically. The regression results show that: the entry of foreign banks has promoted the efficiency of Chinese banks, and the impact on small and medium-sized commercial banks is more prominent; The entry and development of foreign banks have had a certain impact on the traditional business of domestic banks, which has occupied part of the market share and customer resources. At the same time, it has also promoted the innovation of domestic banking products and business, which has greatly increased the non-interest income. Finally, based on the conclusions of the above empirical research, the following suggestions are put forward: to perfect the banking system, to open the banking industry to the outside world, to improve the banking supervision system, to develop the banking business system in an all-round way; Pay attention to brand culture construction and talent construction.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3;F224

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