外资进入与银行业效率的实证研究

发布时间：2018-03-11 02:15

本文选题：外资银行　切入点：银行业效率　出处：《国际贸易问题》2010年02期 　论文类型：期刊论文

【摘要】：我国银行业全面对外资开放已近三年,外资银行进入对我国银行业效率的影响问题正成为学术界关注的焦点。本文以我国具有代表性的13家银行1998年至2007年间的统计数据为基础,就外资银行进入对我国银行业效率的影响进行实证分析。研究发现:外生政策导致我国银行业市场结构仍呈现垄断特征并缺乏效率,外资进入未能改变我国银行业竞争格局,而外资进入带来的竞争效应造成我国银行成本费用率和经营风险有所上升。在实证研究基础上,本文提出了进一步加大开放力度,加快利率市场化进程等促进我国银行业效率提升的对策建议。
[Abstract]:China's banking industry has been fully open to foreign investment for nearly three years. The impact of the entry of foreign banks on the efficiency of China's banking industry is becoming the focus of attention in academic circles. This paper is based on the statistical data of 13 representative banks from 1998 to 2007. This paper makes an empirical analysis on the influence of foreign banks' entry on the efficiency of China's banking industry. The study finds that the market structure of China's banking industry is still characterized by monopoly and lack of efficiency due to exogenous policies, and that the entry of foreign capital fails to change the competitive pattern of China's banking industry. However, the competitive effect brought by the entry of foreign capital has led to an increase in the cost rate and operating risk of banks in China. On the basis of empirical research, this paper proposes to further increase the degree of opening up. Accelerate the interest rate marketization and other countermeasures to promote the efficiency of China's banking industry.
【作者单位】：浙江工业大学经贸管理学院;荷兰蒂尔堡(Tilburg)大学金融系;
【基金】：国家自然科学基金项目(批准号70703030) 教育部人文社会科学研究项目(批准号07JA790083) 浙江省科技厅软科学项目(批准号2007C35008) 浙江省自然科学基金项目(批准号Y6080222)阶段性研究成果
【分类号】：F832.6;F832.2;F224

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