我国对外资银行的进入规制及其对银行业的影响研究

发布时间：2018-10-31 11:24

【摘要】：从1978年至今，外资银行在我国的发展经历了巨大而深刻的变化，我国对外资银行的各方面规制无论是在经验还是法律制度上也都在逐步发展和完善。近日在北京召开的2012年全国外资银行监管工作会议回顾了加入世贸组织十年来，银行业对外开放及外资银行监管取得的成绩，研究部署了2012年外资银行监管工作。这说明对外资银行进入规制研究具有一定的现实意义。本文的研究目的在于实证分析目前我国对外资银行在各方面的进入规制对我国银行业所起的作用如何，是否存在规制过渡问题，限制了外资银行发挥其竞争作用，以及分析我国在对待外资银行进入的问题上处在历史的什么阶段，应该往何处发展。本文通过改变传统的计量模型，加入了一个描述进入规制程度的虚拟变量，对2004年至2010年我国银行业数据进行最小二乘法的计量运算，得出我国在2006年颁布的《中华人民共和国外资银行管理条例》和《实施细则》对我国银行业的影响是显著的，意义深远。但是，外资银行控制变量的不显著有说明了外资银行在我国的发展仍然处于开始阶段，发展缓慢，对我国银行业的各种效率影响不大，竞争作用没有充分发挥。实证分析后，又通过案例分析，研究了美国、欧盟、加拿大、日本等国的外资银行进入规制情况，借鉴国际经验。本文对此结果给出的结论是，我国应该继续加大对外资银行进入规制的放松，出台具体的规制政策来促进外资银行在我国的快速发展，充分发挥竞争作用。同时，除了放松规制外，还要加入激励因素，积极鼓励外资银行在华投资力度和规模，扩大在华营业网点的建立，在营业网点网络规模上缩小与国内银行的差距。在对外资银行开放过程中，，要同步进行利率市场化和资本账户开放的进程，以此加大外资银行的竞争作用。最后，对外资银行进入规制总结，认为要因时制宜。既要在初始阶段，充分鼓励外资银行进入，让我国银行业在逆境中发展，又要在规制过程中加强监管，防止外资银行带来的不利竞争要成银行业危机的发生。
[Abstract]:From 1978 to now, the development of foreign banks in China has undergone tremendous and profound changes, the various aspects of regulation of foreign banks in our country have been gradually developed and perfected both in experience and legal system. The 2012 National Conference on the Supervision of Foreign Banks held in Beijing recently reviewed the achievements made in the opening up of the banking sector and the supervision of foreign banks over the past ten years since China's accession to the WTO, and studied and deployed the supervision of foreign banks in 2012. This shows that the entry regulation of foreign banks has a certain practical significance. The purpose of this paper is to empirically analyze how the entry regulation of foreign banks in China plays a role in China's banking industry, whether there is a problem of regulatory transition, which restricts foreign banks from playing their competitive role. It also analyzes the historical stage of China's treatment of the entry of foreign banks and where it should develop. By changing the traditional econometric model and adding a virtual variable to describe the degree of entry regulation, this paper carries out the least square calculation of the banking data from 2004 to 2010 in China. It is concluded that the regulations of the people's Republic of China on the Administration of Foreign Banks and the detailed rules of implementation issued in 2006 have a significant and far-reaching impact on the banking industry of China. However, the lack of control variables of foreign banks indicates that the development of foreign banks in our country is still in the initial stage, the development is slow, the impact on the efficiency of China's banking industry is not significant, and the role of competition is not fully brought into play. After empirical analysis, this paper studies the entry regulation of foreign banks in the United States, the European Union, Canada, Japan and other countries through case studies, and draws lessons from international experience. The conclusion of this paper is that our country should continue to strengthen the relaxation of entry regulation of foreign banks, introduce specific regulatory policies to promote the rapid development of foreign banks in China, and give full play to the role of competition. At the same time, in addition to deregulation, incentives should be added to encourage foreign banks to invest and scale in China, expand the establishment of business outlets in China, and narrow the gap with domestic banks in the network size of business outlets. In the process of opening to foreign banks, the process of interest rate marketization and capital account opening should be carried out simultaneously, so as to increase the competitive role of foreign banks. Finally, the conclusion of entry regulation of foreign banks is that measures should be taken in accordance with the times. It is necessary to encourage the entry of foreign banks in the initial stage, to make the banks of our country develop in the adverse circumstances, and to strengthen the supervision in the course of regulation so as to prevent the adverse competition brought by foreign banks from becoming a banking crisis.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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