银行海外投资区域布局研究

发布时间：2018-04-03 01:22

本文选题：商业银行　切入点：海外投资　出处：《武汉大学》2014年博士论文

【摘要】：本文首先从微观层面和宏观层面梳理了银行海外投资的理论基础,将银行海外投资区域布局的微观理论基础归纳为规模经济理论、范围经济理论、协同效应理论和国际生产折衷理论；将银行海外投资区域布局的宏观理论基础归纳为外贸投资引导理论、比较优势理论、经济一体化理论和金融博弈理论。基于区域发展的视角,分析国际大型银行海外投资区域布局总体现状。通过分析汇丰银行和花旗银行等国际化程度高的跨国银行的历史发展和区域布局特征,归纳国际大型银行海外投资的地理区域和目标市场。根据对中国经济的影响程度和区域合作程度,将全球区域经济体分为亚太、美国、欧盟、拉美及非洲、独联体和其他国家地区等六个部分。分析全球经济的区域发展概况,区别不同经济区域体分析我国银行海外投资的原因和我国商业银行在该区域的市场定位。基于银行行为的视角,从政治、经济、地理、文化、法律制度等五方面分析银行海外投资区域布局的区位优势。梳理银行海外投资区域布局选择的方法——冷热评估法、投资环境评分法、多因素评估法以及指数法。根据一般性的区位优势和我国商业银行海外区域布局特有的区位优势,确立我国商业银行海外投资区域布局选择目标市场的标准、路径和重点目标市场。我国商业银行的海外以亚太地区为海外投资的基地,审慎进入拉美和非洲等新兴市场,适时扩大在欧美市场的布局,逐步将业务范围和机构网络辐射全球,带动全球区域机构和业务发展。在OLI框架下,分析银行海外投资区域布局影响因素。建立银行的利润函数的模型,实证分析不同因素对银行海外投资区域布局影响程度。得出结论：银行海外投资经验、非金融企业对东道国的FDI、双边贸易、东道国的经济发展水平及距离等因素均会影响中国商业银行海外投资的进程,但银行规模大小对中国商业银行海外投资的影响没有显著影响。分析花旗银行、汇丰银行和渣打银行海外投资区域布局的整体情况和各自特点。对比分析中国商业银行,主要是中国银行、工商银行、建设银行和其他全国性股份制商业银行的海外投资区域布局状况。通过国际先进银行海外投资区域布局的发展总结对中国商业银行海外投资布局的启示。为中国银行海外投资区域选择提供操作指南,为中国商业银行走向国际化,迎接全球挑战提供政策建议。
[Abstract]:In this paper, the theoretical basis of bank overseas investment is first summarized from the micro and macro levels, and the micro theoretical basis of the regional layout of bank overseas investment is summed up as the scale economy theory, the scope economy theory.The theory of synergetic effect and international production eclecticism, the macro-theory foundation of the regional layout of bank's overseas investment is summed up as the foreign trade investment guiding theory, the comparative advantage theory, the economic integration theory and the financial game theory.Based on the perspective of regional development, this paper analyzes the overall situation of overseas investment of large international banks.By analyzing the historical development and regional layout characteristics of multinational banks with high degree of internationalization, such as HSBC and Citibank, the geographical regions and target markets for overseas investment of large international banks are summarized.According to the degree of influence on China's economy and the degree of regional cooperation, the global regional economies are divided into six parts: Asia-Pacific, the United States, the European Union, Latin America and Africa, the CIS and other countries.This paper analyzes the general situation of regional development of global economy, and analyzes the reasons for the overseas investment of Chinese banks and the market positioning of Chinese commercial banks in the region.Based on the perspective of bank behavior, this paper analyzes the regional advantages of bank overseas investment from five aspects: politics, economy, geography, culture and legal system.This paper reviews the methods of selecting the regional layout of bank's overseas investment such as cold and heat evaluation method, investment environment evaluation method, multi-factor evaluation method and index method.According to the general location advantage and the unique location advantage of overseas regional layout of Chinese commercial banks, the criteria, paths and key target markets for the selection of target markets for overseas investment of Chinese commercial banks are established.The overseas investment base of China's commercial banks is the Asia-Pacific region, and they are prudently entering emerging markets such as Latin America and Africa, expanding their distribution in Europe and the United States at the right time, and gradually radiating the scope of business and the network of institutions around the world.Drive global regional institutional and business development.Under the framework of OLI, this paper analyzes the factors affecting the regional layout of bank overseas investment.The model of bank profit function is established, and the influence of different factors on the regional distribution of bank overseas investment is analyzed empirically.It is concluded that such factors as bank overseas investment experience, non-financial enterprises' FDI to host country, bilateral trade, host country's economic development level and distance will all influence the process of Chinese commercial bank's overseas investment.However, the size of the bank has no significant impact on the overseas investment of Chinese commercial banks.Analyze the overall situation and characteristics of overseas investment area layout of Citibank, HSBC and Standard Chartered Bank.This paper compares and analyzes the regional distribution of overseas investment of commercial banks of China, mainly the Bank of China, Industrial and Commercial Bank of China, China Construction Bank and other national joint-stock commercial banks.Through the international advanced banks overseas investment regional layout development summary to the Chinese commercial bank overseas investment layout enlightenment.To provide the operation guide for the overseas investment area choice of the Bank of China, to provide policy advice for the Chinese commercial banks to internationalize and meet the global challenges.
【学位授予单位】：武汉大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F832.6

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