发展中国家内、外资银行信贷行为差异分析

发布时间：2018-03-12 12:53

本文选题：外资银行　切入点：信贷增长　出处：《当代经济科学》2012年01期 　论文类型：期刊论文

【摘要】：众多发展中国家的金融改革实践表明,银行业开放的正负效应并不具有显著的国别一般性,特别是在信贷稳定性上,在东道国和外资银行母国经济运行的不同时期,外资银行与东道国国内银行的信贷行为可能存在较大的差异性,进而对东道国的经济金融稳定带来不同的影响。本文从全球范围内抽取了21个发展中国家(地区)和转轨国家中的400余家内、外资银行为样本,以其在2002～2010年间的相关数据构成面板数据集,来对内、外资银行在此期间的信贷行为差异进行检验。研究发现,外资银行的信贷行为确实与国内银行存在着差异性,主要表现在外资银行的信贷增长既表现出与东道国的经济增长显著正相关,又明显受到母国经济状况的影响;在经济正常的年份里,外资银行的信贷表现更多的取决于东道国的经济状况,而当外资银行母国发生经济危机时,却会对外资银行的信贷增长造成较大的负向冲击。
[Abstract]:The practice of financial reform in many developing countries shows that the positive and negative effects of banking liberalization do not have significant country-specific generality, especially in terms of credit stability and the different periods of economic operation between the host country and the home country of foreign banks. The credit behavior of the foreign banks and the domestic banks of the host country may be quite different. This paper takes more than 400 domestic and foreign banks from 21 developing countries (regions) and countries in transition as samples. Using the relevant data from 2002 to 2010 to form a panel data set to test the credit behavior differences between foreign banks and domestic banks, it is found that the credit behavior of foreign banks is indeed different from that of domestic banks. This is mainly reflected in the fact that the credit growth of foreign banks is both significantly positively correlated with the economic growth of the host country and is obviously affected by the economic situation of the home country. The credit performance of foreign banks depends more on the economic situation of the host country, but when the home country of foreign banks has economic crisis, it will cause a big negative impact on the credit growth of foreign banks.
【作者单位】：中国人民大学财政金融学院;
【基金】：中国人民大学科学研究基金重点项目“金融开放度、国家控制力与金融稳定:实证研究及在中国的应用”(项目科研编号:11XNH010)
【分类号】：F830.5;F224

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