中国商业银行国际化的决定因素

发布时间：2018-03-10 08:08

本文选题：银行国际化　切入点：决定因素　出处：《上海社会科学院》2014年硕士论文　论文类型：学位论文

【摘要】：2008年国际金融危机爆发后,欧美发达国家的经济实力和国际地位下降,银行业遭受重创,客观上为我国商业银行进行国际化经营提供了难得的发展机遇。与此同时,我国经济实力不断提升,对外直接投资和贸易量日益增长,越来越多的企业进军海外,利率市场化、人民币国际化和监管要求国际化等一系列发展趋势都要求我国商业银行加快国际化步伐,提供更好的跨境金融服务。然而,与世界知名跨国银行相比,目前我国商业银行的国际化程度还很低,本文正是在此背景下研究我国商业银行国际化的决定因素,并为未来发展提供一些建议。本文首先对银行国际化的相关概念和经典理论进行归纳,作为本文的理论基础；然后分别介绍了世界银行业与我国商业银行的国际化历程及现状并对二者进行对比分析,直观地揭示我国商业银行所处的国际化阶段,并在此基础上分析决定我国商业银行国际化的主要因素,主要包括我国经济体制和政策环境变迁、金融危机带来历史机遇、银行规模、国际化经营经验和经营绩效等自身因素、我国与东道国的贸易投资往来及东道国的区位因素等；而后根据银行国际化理论和以往的研究成果,结合我国商业银行国际化的实际情况,选取了七个主要因素,建立了两个面板数据回归模型,从银行自身和外部环境两个方面对我国商业银行国际化的决定因素进行研究。实证研究结果如下：在银行自身因素中,国际化经营的经验与我国商业银行的国际化存在显著的正相关关系,银行的规模和经营绩效尚不能解释我国商业银行的国际化,但可以预期随着银行国际化经验的积累,这两个因素在未来国际化发展中会逐渐扮演重要角色。在外部环境因素中,我国对东道国(地区)的FDI和双边贸易额同我国商业银行的海外机构数量存在显著的正相关关系,贸易投资引导理论适用于我国实际情况。东道国(地区)的经济发展水平是影响我国商业银行国际化的重要因素,东道国(地区)的经济开放程度没有通过检验,这与指标选取有一定关系。从实际来看,我国商业银行倾向于进入经济发展水平高且较为开放的国家和地区。最后对实证研究结果进行归纳和分析,联系实际情况对我国商业银行未来的国际化经营提出相应的建议。
[Abstract]:After the outbreak of the international financial crisis in 2008, the economic strength and international status of the developed countries in Europe and the United States declined, and the banking industry suffered a heavy blow, which objectively provided a rare development opportunity for our commercial banks to carry out international operations. China's economic strength is constantly improving, the volume of foreign direct investment and trade is growing day by day, more and more enterprises are entering overseas, and interest rates are market-oriented. A series of development trends, such as internationalization of RMB and regulatory requirements, require Chinese commercial banks to speed up internationalization and provide better cross-border financial services. However, compared with world-renowned multinational banks, At present, the degree of internationalization of commercial banks in China is still very low. This paper studies the determinants of internationalization of Chinese commercial banks under this background, and provides some suggestions for the future development. This paper first summarizes the relevant concepts and classical theories of bank internationalization as the theoretical basis of this paper, then introduces the internationalization process and current situation of the world banking industry and China's commercial banks, and makes a comparative analysis of the two. On the basis of analyzing the main factors that determine the internationalization of Chinese commercial banks, including the changes of economic system and policy environment, and the historical opportunities brought by the financial crisis, this paper reveals the internationalization stage of commercial banks in China directly and intuitively, and analyzes the main factors that determine the internationalization of commercial banks in China on this basis. The bank scale, international management experience and management performance, trade and investment between China and the host country, and the location of the host country, etc., and then according to the theory of bank internationalization and previous research results, According to the actual situation of internationalization of commercial banks in China, seven main factors are selected and two panel data regression models are established. This paper studies the determinants of the internationalization of commercial banks in China from the aspects of the banks themselves and the external environment. The empirical results are as follows: among the factors of the banks themselves, There is a significant positive correlation between the experience of international operation and the internationalization of Chinese commercial banks. The scale and performance of banks can not explain the internationalization of Chinese commercial banks, but it can be expected that with the accumulation of international experience of banks, These two factors will gradually play an important role in the development of internationalization in the future. Among the external environmental factors, there is a significant positive correlation between the FDI and bilateral trade volume of China's host country (region) and the number of overseas institutions of Chinese commercial banks. The level of economic development of the host country (region) is an important factor affecting the internationalization of commercial banks in China, and the degree of economic openness of the host country (region) has not passed the test. This is related to the selection of indicators. From a practical point of view, Chinese commercial banks tend to enter countries and regions with a high level of economic development and are more open. Finally, the empirical research results are summarized and analyzed. In light of the actual situation, the paper puts forward corresponding suggestions for the future international operation of Chinese commercial banks.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F272.3

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