中资商业银行国际化决定因素研究
发布时间：2018-11-01 16:49
【摘要】：随着中国经济实力持续的提升，中资商业银行的国际地位也在不断攀升。经过加入世界贸易组织十年来的洗礼，中资商业银行国际化的现实基础越来越坚实，中资商业银行走出国门的步伐不断加快。当前，深入研究中资商业银行国际化发展问题，对促进中资商业银行加快战略转型和推进银行国际化发展具有十分重要的理论价值和实践意义。 本文利用实证分析的方法，在回顾已有的商业银行国际化理论和实证研究成果的基础上，借鉴国内外学者的研究方法和分析思路，并结合我国特有的制度因素，采用固定效应模型、随机效应模型以及多元线性回归模型对中资商业银行国际化的动因进行实证研究。根据实证结果，银行规模、中国宏观经济规模、中国贸易依存度、东道国潜在市场规模、东道国对外开放程度、信息成本、国际金融中心、与东道国的对外直接投资、双边贸易，都对中资商业银行的国际化发展具有显著的影响作用。同时也得出与自身假设不相符的因素，，包括银行的绩效水平、母国银行业开放程度和母国的市场化程度，但得出的结论与我国的实际情况相符。文章末尾，基于实证研究结果，对相关的因素提出建议，例如加快中资商业银行的国际化积累和银行资本规模的扩大、大力开展向国际金融中心倾斜、向双边贸易量大的国家或地区倾斜以及向周边国家跨境扩展等等。
[Abstract]:As China's economic strength continues to improve, the international status of Chinese commercial banks is also rising. After ten years' baptism after joining the World Trade Organization, the realistic foundation of internationalization of Chinese commercial banks has become more and more solid, and the pace of Chinese commercial banks to go abroad has been quickened. At present, it is of great theoretical value and practical significance to study the internationalization development of Chinese commercial banks in order to accelerate the strategic transformation and promote the internationalization development of Chinese commercial banks. On the basis of reviewing the existing internationalization theories and empirical research results of commercial banks, this paper uses the empirical analysis method for reference from scholars at home and abroad, and combines the unique institutional factors of our country. Using fixed effect model, stochastic effect model and multivariate linear regression model, this paper makes an empirical study on the motivation of internationalization of Chinese commercial banks. According to the empirical results, the size of banks, the size of China's macro-economy, the degree of China's trade dependence, the potential market size of the host country, the degree of openness of the host country, the cost of information, the international financial center, the foreign direct investment with the host country, Bilateral trade has a significant impact on the internationalization of Chinese commercial banks. At the same time, the factors which do not accord with their own assumptions, including the performance level of the bank, the opening degree of the home banking industry and the degree of marketization of the home country, are also obtained, but the conclusion is consistent with the actual situation in our country. At the end of the paper, based on the results of empirical research, some suggestions are put forward, such as speeding up the international accumulation of Chinese commercial banks and expanding the capital scale of banks, and making great efforts to tilt towards the international financial center. Tilt to countries or regions with large bilateral trade and expand across borders to neighboring countries.
【学位授予单位】：外交学院
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2304511
[Abstract]:As China's economic strength continues to improve, the international status of Chinese commercial banks is also rising. After ten years' baptism after joining the World Trade Organization, the realistic foundation of internationalization of Chinese commercial banks has become more and more solid, and the pace of Chinese commercial banks to go abroad has been quickened. At present, it is of great theoretical value and practical significance to study the internationalization development of Chinese commercial banks in order to accelerate the strategic transformation and promote the internationalization development of Chinese commercial banks. On the basis of reviewing the existing internationalization theories and empirical research results of commercial banks, this paper uses the empirical analysis method for reference from scholars at home and abroad, and combines the unique institutional factors of our country. Using fixed effect model, stochastic effect model and multivariate linear regression model, this paper makes an empirical study on the motivation of internationalization of Chinese commercial banks. According to the empirical results, the size of banks, the size of China's macro-economy, the degree of China's trade dependence, the potential market size of the host country, the degree of openness of the host country, the cost of information, the international financial center, the foreign direct investment with the host country, Bilateral trade has a significant impact on the internationalization of Chinese commercial banks. At the same time, the factors which do not accord with their own assumptions, including the performance level of the bank, the opening degree of the home banking industry and the degree of marketization of the home country, are also obtained, but the conclusion is consistent with the actual situation in our country. At the end of the paper, based on the results of empirical research, some suggestions are put forward, such as speeding up the international accumulation of Chinese commercial banks and expanding the capital scale of banks, and making great efforts to tilt towards the international financial center. Tilt to countries or regions with large bilateral trade and expand across borders to neighboring countries.
【学位授予单位】：外交学院
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
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