外资银行进入对我国商业银行效率的影响研究
发布时间：2018-09-10 17:11
【摘要】：2010年是我国加入WTO第十年，外资银行进入作为我国银行业对外开放的重要内容之一，为我国银行业及金融体系对外开放奠定了坚实的基础。外资银行在华存在形式逐渐向“法人银行”形式转变，经营地域、产品业务范围、客户基础都得到了快速的提升，对中国经济金融发展的影响也将不断加深。 理论界有关外资银行进入对东道国商业银行效率影响大致有以下两种观点：第一种观点认为：外资银行进入有利于东道国银行效率的提升；第二种观点认为：外资银行进入会降低东道国商业银行效率。外资银行在华的发展受我国特定经济特征的影响具有自身独特的发展路径，外资银行的参与将怎样影响我国银行业效率、在一定的水平上对效率的影响是否会产生方向上的变化、其影响是否会因为我国商业银行产权性质不同而产生变化，是本文研究的主要目的。 本文在理论分析外资银行进入东道国银行业动因、作用机制及分析外资银行在华特定发展状况基础上，运用数据包络法（DEA）对我国具有代表性的14家商业银行效率进行测度，以更加全面的反映我国商业银行效率状况，结果显示，我国商业银行效率虽有波动，但总体趋于平稳性增长；在此基础上选取我国2004~2010年14个商业银行数据，选择随机效应模型作多元回归分析，客观衡量外资银行进入对中资银行效率的影响。研究结果显示：1.在对宏观经济因素、银行行业因素、银行自身层面因素进行控制后，发现外资银行对我国商业银行综合技术效率具有显著的正面影响。2.外资银行进入对我国商业银行效率具有“倒U”型效应，，在一定的进入水平上，外资银行进入对我国商业银行效率的影响将产生方向上的变化。3.外资银行进入对我国商业银行效率的“倒U”型效应并未因我国商业银行产权性质的不同而产生显著差异。4.宏观经济因素对我国商业银行效率的影响都较为显著，我国商业银行已逐渐成为市场化主体，市场竞争程度、市场开放程度已成为影响我国商业银行效率的重要因素。最后，在本文理论分析和实证分析的基础上，提出了关键性的几点政策建议。
[Abstract]:The year 2010 is the tenth year of China's entry into WTO. As one of the important contents of the opening up of China's banking industry, foreign banks have laid a solid foundation for the opening up of our banking and financial system. The existing form of foreign banks in China has gradually changed to the form of "corporate bank". The area of operation, the scope of product business and the customer base have all been rapidly promoted, and the impact on the economic and financial development of China will also be deepened. There are two views on the influence of foreign bank entry on the efficiency of commercial banks in the host country: the first view is that the entry of foreign banks is conducive to the improvement of the efficiency of the host country bank; The second view is that the entry of foreign banks will reduce the efficiency of commercial banks in the host country. The development of foreign banks in China has its own unique development path under the influence of the specific economic characteristics of our country. How does the participation of foreign banks affect the efficiency of China's banking industry? The main purpose of this paper is whether the influence on efficiency will change in direction at a certain level, and whether the influence will change because of the different property rights of commercial banks in our country. Based on the theoretical analysis of the reasons and the mechanism of foreign banks entering the host country, and the analysis of the specific development of foreign banks in China, this paper uses the data envelopment method (DEA) to measure the efficiency of 14 representative commercial banks in China. The results show that the efficiency of commercial banks in our country is fluctuating, but it tends to increase steadily. On this basis, the data of 14 commercial banks from 2004 to 2010 are selected. The random effect model is chosen as multiple regression analysis to objectively measure the influence of foreign banks entry on the efficiency of Chinese banks. The results of the study show that 1: 1. After controlling the macroeconomic factors, banking industry factors and banks' own factors, it is found that foreign banks have a significant positive impact on the comprehensive technical efficiency of commercial banks in China. The entry of foreign banks has a "inverted U" effect on the efficiency of commercial banks in China. At a certain level of entry, the influence of entry of foreign banks on the efficiency of commercial banks in China will change in the direction of .3. The "inverted U" effect of the entry of foreign banks on the efficiency of commercial banks in China has no significant difference due to the different property rights of commercial banks in China. Macroeconomic factors have a significant impact on the efficiency of commercial banks in China. Commercial banks in China have gradually become the main body of marketization, the degree of market competition and the degree of market opening have become important factors affecting the efficiency of commercial banks in China. Finally, on the basis of theoretical analysis and empirical analysis, some key policy suggestions are put forward.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2235089
[Abstract]:The year 2010 is the tenth year of China's entry into WTO. As one of the important contents of the opening up of China's banking industry, foreign banks have laid a solid foundation for the opening up of our banking and financial system. The existing form of foreign banks in China has gradually changed to the form of "corporate bank". The area of operation, the scope of product business and the customer base have all been rapidly promoted, and the impact on the economic and financial development of China will also be deepened. There are two views on the influence of foreign bank entry on the efficiency of commercial banks in the host country: the first view is that the entry of foreign banks is conducive to the improvement of the efficiency of the host country bank; The second view is that the entry of foreign banks will reduce the efficiency of commercial banks in the host country. The development of foreign banks in China has its own unique development path under the influence of the specific economic characteristics of our country. How does the participation of foreign banks affect the efficiency of China's banking industry? The main purpose of this paper is whether the influence on efficiency will change in direction at a certain level, and whether the influence will change because of the different property rights of commercial banks in our country. Based on the theoretical analysis of the reasons and the mechanism of foreign banks entering the host country, and the analysis of the specific development of foreign banks in China, this paper uses the data envelopment method (DEA) to measure the efficiency of 14 representative commercial banks in China. The results show that the efficiency of commercial banks in our country is fluctuating, but it tends to increase steadily. On this basis, the data of 14 commercial banks from 2004 to 2010 are selected. The random effect model is chosen as multiple regression analysis to objectively measure the influence of foreign banks entry on the efficiency of Chinese banks. The results of the study show that 1: 1. After controlling the macroeconomic factors, banking industry factors and banks' own factors, it is found that foreign banks have a significant positive impact on the comprehensive technical efficiency of commercial banks in China. The entry of foreign banks has a "inverted U" effect on the efficiency of commercial banks in China. At a certain level of entry, the influence of entry of foreign banks on the efficiency of commercial banks in China will change in the direction of .3. The "inverted U" effect of the entry of foreign banks on the efficiency of commercial banks in China has no significant difference due to the different property rights of commercial banks in China. Macroeconomic factors have a significant impact on the efficiency of commercial banks in China. Commercial banks in China have gradually become the main body of marketization, the degree of market competition and the degree of market opening have become important factors affecting the efficiency of commercial banks in China. Finally, on the basis of theoretical analysis and empirical analysis, some key policy suggestions are put forward.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
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