外资银行的进入对我国信贷市场贷款价格的影响

发布时间：2018-01-19 05:29

本文关键词： 外资银行信贷市场不对称信息兼并收购　出处：《中国管理科学》2016年05期 　论文类型：期刊论文

【摘要】：本文从中资银行和外资银行分别具有信息优势和融资成本优势的基本假设出发,建立了不对称信息下的银行信贷市场竞争模型,从贷款价格的角度来研究外资银行通过绿地投资和兼并收购两种方式进入对我国信贷市场的影响,且在并购方式中将并购对象按规模分为了本地大银行和小银行。结果表明,外资银行通过兼并收购本地大银行方式进入对贷款价格的降低效果不大,而通过兼并收购小银行方式进入能够全面降低本地银行的贷款价格,在处于竞争劣势地位的本地大银行的老客户市场通过绿地投资模式进入可以大幅度的降低贷款价格。
[Abstract]:Based on the basic assumptions that Chinese banks and foreign banks have information advantage and financing cost advantage respectively, this paper sets up a competitive model of bank credit market under asymmetric information. From the point of view of loan price, this paper studies the impact of foreign banks' entry into China's credit market through greenfield investment and merger and acquisition. In the M & A mode, M & A objects are divided into local large banks and small banks according to the scale. The results show that the foreign banks enter into the way of mergers and acquisitions of local large banks to reduce the loan price has little effect. Through mergers and acquisitions of small banks to enter into the overall reduction of local banks' loan prices. In the competitive disadvantage of the local large banks in the old customer market through the greenfield investment model can significantly reduce loan prices.
【作者单位】：武汉大学经济与管理学院金融系;平安银行总行;
【基金】：教育部哲学社会科学研究重大攻关项目(12JZD029) 2016年度湖北省教育厅哲学社会科学研究重大项目武汉大学“70”后学者学术团队项目及武汉大学自主科研项目(人文社会科学) 中央高校基本科研业务费专项资金资助项目
【分类号】：F832.4
【正文快照】： 1　引言随着我国经济对外开放程度的加深,我国银行业对外开放进程不断推进。为了提高银行信贷市场效率,银监会一直鼓励外资银行进入参与竞争与合作。基于目前银监会的监管政策,外资银行可注册建立外商独资或合资银行全面经营人民币批发及零售业务。但外资银行不能兼并收购中资

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