本文選題：外資銀行　切入點(diǎn)：信貸競(jìng)爭(zhēng)　出處：《華中科技大學(xué)》2013年碩士論文

【摘要】：隨著中國(guó)銀行業(yè)的對(duì)外開(kāi)放，外資銀行進(jìn)入中國(guó)并逐步發(fā)展壯大，中外資銀行的信貸競(jìng)爭(zhēng)也隨之產(chǎn)生。眾所周知，信貸業(yè)務(wù)是銀行的傳統(tǒng)、核心業(yè)務(wù)，也是銀行的主要利潤(rùn)來(lái)源，在此業(yè)務(wù)上，中外資銀行各有優(yōu)勢(shì)、劣勢(shì)，其中，中資銀行更熟悉中國(guó)信貸市場(chǎng)、擁有更多的網(wǎng)點(diǎn)與客戶資源，而外資銀行則有更高的管理水平、更豐富的產(chǎn)品創(chuàng)新經(jīng)驗(yàn)等優(yōu)勢(shì)。在各有優(yōu)勢(shì)、各有劣勢(shì)的情況下，外資銀行如何揚(yáng)長(zhǎng)避短以獲取更多的市場(chǎng)份額、中資銀行又如何保持市場(chǎng)份額？此問(wèn)題值得我們關(guān)注與探究。 本文首先描述了研究背景及學(xué)者對(duì)本土銀行和外資銀行信貸競(jìng)爭(zhēng)研究。然后，本文對(duì)外資銀行的優(yōu)勢(shì)、劣勢(shì)及其在企業(yè)信貸市場(chǎng)、個(gè)人信貸市場(chǎng)的競(jìng)爭(zhēng)策略進(jìn)行了闡述與分析。接著，本文根據(jù)前人研究及中外資銀行的實(shí)際情況，基于外資銀行根據(jù)項(xiàng)目進(jìn)行貸款決策且具有項(xiàng)目審查技術(shù)優(yōu)勢(shì)與融資成本優(yōu)勢(shì)、中資銀行根據(jù)歷史信用進(jìn)行貸款決策且具有信息優(yōu)勢(shì)的假設(shè)，構(gòu)建了Bertrand模型，分析項(xiàng)目成功概率、項(xiàng)目收益、項(xiàng)目審查技術(shù)、融資成本對(duì)市場(chǎng)份額及外資銀行進(jìn)入邊界的影響。最后，本文還結(jié)合現(xiàn)實(shí)情況對(duì)模型結(jié)論進(jìn)行了分析與討論。本文主要研究結(jié)果如下：（1）項(xiàng)目收益的增加、項(xiàng)目成功概率的增加均會(huì)提升外資銀行的進(jìn)入邊界，，均會(huì)降低外資銀行的市場(chǎng)份額；（2）外資銀行融資成本的下降會(huì)降低外資銀行的進(jìn)入邊界，會(huì)提升外資銀行的市場(chǎng)份額；中資銀行融資成本的增加會(huì)提升外資銀行的市場(chǎng)份額，即融資成本優(yōu)勢(shì)有助于外資銀行進(jìn)入、開(kāi)拓市場(chǎng)；（3）項(xiàng)目審查技術(shù)的提升會(huì)降低外資銀行的進(jìn)入邊界（當(dāng)項(xiàng)目成功概率低于0.5時(shí)）、會(huì)增加外資銀行的市場(chǎng)份額，即審查技術(shù)優(yōu)勢(shì)有助于外資銀行進(jìn)入、開(kāi)拓市場(chǎng)，項(xiàng)目審查技術(shù)優(yōu)勢(shì)也可彌補(bǔ)信息劣勢(shì)；（4）在項(xiàng)目成功概率低、項(xiàng)目收益低的情形下，項(xiàng)目審查技術(shù)優(yōu)勢(shì)比信息優(yōu)勢(shì)顯得更為重要，因而此時(shí)外資銀行更容易進(jìn)入、獲取市場(chǎng)份額。
[Abstract]:With the opening to the outside world of Chinese banks, foreign banks have entered China and developed gradually, and the credit competition of Chinese and foreign banks has also come into being.As we all know, credit business is the tradition of banks, the core business and the main source of profits of banks. In this business, Chinese and foreign banks have their own advantages and disadvantages. Among them, Chinese banks are more familiar with China's credit market.Have more network and customer resources, while foreign banks have higher management level, more rich experience in product innovation and other advantages.In the case of different advantages and disadvantages, how can foreign banks take advantage of their advantages and avoid weaknesses in order to gain more market share, and how can Chinese banks maintain market share?This problem deserves our attention and exploration.This paper first describes the research background and scholars' research on credit competition between local banks and foreign banks.Then, this paper expounds and analyzes the advantages and disadvantages of foreign banks and their competitive strategies in the enterprise credit market and personal credit market.Then, according to the previous research and the actual situation of the foreign banks, based on the foreign banks to make loan decisions according to the project and have the advantages of project review technology and financing costs.Based on the assumption that Chinese banks make loan decisions with historical credit and have information advantages, the Bertrand model is constructed to analyze the influence of project success probability, project income, project review technology, financing cost on market share and entry boundary of foreign banks.Finally, the conclusion of the model is analyzed and discussed.The main results of this paper are as follows: (1) the increase of project income and the increase of project success probability will enhance the entry boundary of foreign banks.Both will reduce the market share of foreign banks. The decrease in financing costs of foreign banks will reduce the entry boundaries of foreign banks and will increase the market share of foreign banks, while the increase in financing costs of Chinese banks will increase the market share of foreign banks.That is, the advantage of financing cost is helpful to the entry of foreign banks, and the improvement of project review technology will reduce the entry boundary of foreign banks (when the probability of project success is less than 0.5%, it will increase the market share of foreign banks.That is, the technological advantages of the examination are helpful for foreign banks to enter and open up the market, and the technological advantages of the project review can also make up for the information disadvantage. (4) in the case of low project success probability and low project income,The technical advantage of project review is more important than the advantage of information, so it is easier for foreign banks to enter and gain market share.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 王聰;宋慧英;;外資銀行進(jìn)入對(duì)中國(guó)商業(yè)銀行競(jìng)爭(zhēng)行為影響的實(shí)證研究[J];南方經(jīng)濟(jì);2012年09期

2 何璇;;外資銀行開(kāi)拓我國(guó)中小企業(yè)市場(chǎng)的調(diào)研報(bào)告[J];經(jīng)濟(jì)視角;2011年04期

3 齊靜妙;陳志崗;;中外資商業(yè)銀行競(jìng)爭(zhēng)力實(shí)證分析[J];財(cái)會(huì)通訊;2011年02期

4 毛澤盛;吳潔;劉敏樓;;外資銀行對(duì)中國(guó)信貸供給影響的實(shí)證研究[J];金融研究;2010年01期

5 劉立安;傅強(qiáng);;基于信號(hào)博弈的中外資銀行信貸競(jìng)爭(zhēng)行為分析[J];管理工程學(xué)報(bào);2010年01期

6 傅章彥;;外資銀行進(jìn)入對(duì)信貸資金供給的影響——來(lái)自亞洲新興市場(chǎng)國(guó)家的經(jīng)驗(yàn)證據(jù)[J];云南財(cái)經(jīng)大學(xué)學(xué)報(bào);2009年03期

7 王博;劉瀾飚;;外資銀行進(jìn)入對(duì)發(fā)展中國(guó)家銀行信貸可得性的影響研究[J];當(dāng)代經(jīng)濟(jì)科學(xué);2008年05期

8 邱兆祥;粟勤;;信息不對(duì)稱條件下銀行業(yè)市場(chǎng)結(jié)構(gòu)與市場(chǎng)競(jìng)爭(zhēng)研究綜述[J];金融研究;2008年08期

9 丁苑春;;開(kāi)放經(jīng)濟(jì)中外資銀行與中資銀行的博弈——對(duì)中資銀行創(chuàng)新的啟示[J];金融理論與實(shí)踐;2008年07期

10 高永進(jìn);葛兆強(qiáng);;外資銀行進(jìn)入：效應(yīng)分析與政策選擇[J];財(cái)貿(mào)經(jīng)濟(jì);2008年04期

相關(guān)博士學(xué)位論文 前2條

1 宋慧英;外資銀行進(jìn)入對(duì)中國(guó)商業(yè)銀行競(jìng)爭(zhēng)行為的影響研究[D];暨南大學(xué);2012年

2 丁淑娟;實(shí)物期權(quán)視角下外資銀行進(jìn)入時(shí)機(jī)研究[D];山東大學(xué);2012年

相關(guān)碩士學(xué)位論文 前4條

1 李妮妮;外資銀行信貸機(jī)理及其溢出效應(yīng)研究[D];陜西師范大學(xué);2012年

2 李琳;外資銀行進(jìn)入對(duì)中國(guó)銀行業(yè)效率的影響研究[D];復(fù)旦大學(xué);2009年

3 孫曉紅;中外資商業(yè)銀行競(jìng)爭(zhēng)力對(duì)比[D];復(fù)旦大學(xué);2008年

4 趙毓婷;外資銀行進(jìn)入對(duì)我國(guó)銀行業(yè)的影響及對(duì)策研究[D];廈門(mén)大學(xué);2007年

本文編號(hào)：1687221