外资银行进入对我国银行业效率影响的研究

发布时间：2018-01-12 17:40

本文关键词：外资银行进入对我国银行业效率影响的研究　出处：《西南大学》2008年硕士论文　论文类型：学位论文

【摘要】： 20世纪70年代以来,世界经济一体化和金融全球化已成为一种不可逆转的趋势。各国都面临着开放或进一步开放本国银行业,国际经验证明外资银行进入对东道国银行业产生了较为深远的影响。随着中国银行业的逐步乃至全面开放,外资银行对我国银行业将产生更为深入的影响。因此研究外资银行进入对我国银行效率的研究成为一项重要的课题。本文通过运用经济学、金融学、商业银行组织管理的有关原理,对外资银行进入给我国银行业效率带来的影响展开深入的研究。运用比较分析、理论模型与实证研究相结合的方法,分析外资银行进入后对我国银行效率带来的影响及其影响机理和途径,并建立了数学模型进行研究,对国内数据进行实证分析,提出我国应对外资银行的对策,为外资银行进入后的我国银行业的健康发展提供有益的参考。本文运用面板数据包络分析技术(DEA)中的三种模型对国内9家具有代表性的商业银行经营效率进行测度,计算出其技术效率(TE)、纯技术效率(PTE)和规模效率(SE),并对比研究入世前后的效率变化。结果表明,外资银行的进入提高了国内商业银行业的效率,但是提高幅度不大,影响不是非常显著。接着通过实证分析,深入考察了外资银行进入对我国商业银行业的技术效率、纯技术效率和规模效率的影响,在分析中,笔者将样本银行划分为四大国有商业银行和其他股份制商业银行,并分别对其和全部样本银行进行考察,实证结果表明,外资银行进入较为显著地提高了国内银行的纯技术效率,但对其余两种效率的影响并不十分显著。同时,由于其他股份制商业银行较四大国有银行来说,机制灵活、负担小、创新能力强,外资银行进入带来的溢出、示范效应在其他股份制商业银行身上有比较好的体现。最后在国内外综合研究的基础上,对我国利用外资银行提高银行业效率提出了建议。
[Abstract]:Since 1970s, the integration of world economy and financial globalization has become an irreversible trend. International experience has proved that the entry of foreign banks has a profound impact on the banking industry of the host country. With the gradual opening of China's banking industry. Foreign banks will have a deeper impact on China's banking industry, so the study of foreign banks' entry into China's banking efficiency has become an important subject. By applying the principles of economics, finance and commercial bank organization management, this paper makes a deep research on the impact of foreign banks' entry on the banking efficiency of our country. Combining theoretical model with empirical research, this paper analyzes the influence of foreign banks on the efficiency of banks in China, and establishes a mathematical model to study it. Based on the empirical analysis of domestic data, this paper puts forward the countermeasures to deal with foreign banks, and provides a useful reference for the healthy development of China's banking industry after the entry of foreign banks. This paper uses three models of panel data envelopment analysis (DEAA) to measure the operating efficiency of 9 representative commercial banks in China and calculate its technical efficiency. The results show that the entry of foreign banks improves the efficiency of domestic commercial banks, but the increase is not significant. The impact is not very significant. Then through empirical analysis, the impact of the entry of foreign banks on the technical efficiency, pure technical efficiency and scale efficiency of commercial banks in China is investigated. The author divides the sample banks into four state-owned commercial banks and other joint-stock commercial banks, and investigates them and all sample banks, the empirical results show that. The entry of foreign banks has significantly improved the pure technical efficiency of domestic banks, but the impact on the other two types of efficiency is not very significant. At the same time, other joint-stock commercial banks are more than the four state-owned banks. The mechanism is flexible, the burden is small, the innovation ability is strong, the foreign capital bank enters brings the spillover, the demonstration effect has the relatively good manifestation in other joint-stock commercial banks. Finally, on the basis of the domestic and foreign comprehensive research. Some suggestions are put forward to improve the efficiency of China's banking industry by using foreign banks.
【学位授予单位】：西南大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：F832.2;F224

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