【摘要】：2006年底我國(guó)履行“入世”承諾，取消對(duì)外資銀行經(jīng)營(yíng)人民幣相關(guān)業(yè)務(wù)的客戶(hù)和地域限制，取消在華經(jīng)營(yíng)的非審慎限制，許多外資銀行不僅以參股國(guó)內(nèi)銀行、設(shè)立分支機(jī)構(gòu)等方式增擴(kuò)市場(chǎng)份額，還進(jìn)駐我國(guó)農(nóng)村金融市場(chǎng)，另有部分外資銀行在減持中資銀行股份，外資銀行的進(jìn)入對(duì)我國(guó)整個(gè)銀行體系的影響呈現(xiàn)出新的特點(diǎn)和趨勢(shì)。在這種條件背景下，，通過(guò)理論與實(shí)證相結(jié)合來(lái)研究外資銀行進(jìn)入對(duì)我國(guó)銀行經(jīng)營(yíng)效率的影響問(wèn)題，有著重要的理論和現(xiàn)實(shí)意義。 本文基于現(xiàn)有國(guó)內(nèi)外文獻(xiàn)，首先采用定性的方法，闡述了外資銀行進(jìn)入東道國(guó)的相關(guān)理論，外資銀行進(jìn)入我國(guó)的概況，以及銀行經(jīng)營(yíng)效率的含義及度量方法等，為后文分析奠定了理論基礎(chǔ)。其次，從定量分析的角度，針對(duì)放松限制后2007-2011年間的銀行樣本數(shù)據(jù)，運(yùn)用財(cái)務(wù)指標(biāo)法和兩階段關(guān)聯(lián)DEA方法測(cè)度了我國(guó)銀行的經(jīng)營(yíng)效率值，并通過(guò)改進(jìn)的面板數(shù)據(jù)模型，新加入品牌份額變量來(lái)衡量外資銀行的進(jìn)入程度，進(jìn)而實(shí)證分析了外資銀行進(jìn)入對(duì)我國(guó)銀行經(jīng)營(yíng)效率的影響，回歸結(jié)果表明：外資銀行的進(jìn)入整體上促進(jìn)了我國(guó)銀行經(jīng)營(yíng)效率的提升，并且對(duì)中小商業(yè)銀行的影響更為突出；外資銀行的進(jìn)入和發(fā)展對(duì)國(guó)內(nèi)銀行的傳統(tǒng)業(yè)務(wù)帶來(lái)一定的沖擊，搶占了部分市場(chǎng)份額和客戶(hù)資源，同時(shí)也促進(jìn)了國(guó)內(nèi)銀行產(chǎn)品和業(yè)務(wù)的創(chuàng)新，使非利息收入得到較大提高。最后，基于前述實(shí)證研究結(jié)論，提出了以下幾點(diǎn)建議：完善銀行制度體系；加大銀行業(yè)對(duì)內(nèi)對(duì)外開(kāi)放；健全銀行業(yè)監(jiān)管體系；全面發(fā)展銀行業(yè)務(wù)體系；注重品牌文化建設(shè)和人才建設(shè)等。
[Abstract]:At the end of 2006, China fulfilled its promise to enter the WTO by removing the restrictions on the customers and regions of foreign banks engaged in RMB related business, and the non-prudential restrictions on foreign banks operating in China. Many foreign banks not only take a stake in domestic banks, The establishment of branches and other ways to increase market share, but also into China's rural financial market, and some foreign banks in the reduction of shares in Chinese banks, foreign banks to the impact of the entire banking system in China has shown new characteristics and trends. Under this condition, it is of great theoretical and practical significance to study the influence of foreign banks' entry on the efficiency of banking management in China through the combination of theory and practice. Based on the existing domestic and foreign literature, this paper first uses qualitative method to explain the relevant theories of foreign banks entering the host country, the general situation of foreign banks entering our country, and the meaning and measurement method of bank management efficiency. It lays a theoretical foundation for the later analysis. Secondly, from the angle of quantitative analysis, aiming at the bank sample data from 2007 to 2011 after the relaxation of restrictions, this paper uses the financial index method and two-stage correlation DEA method to measure the operating efficiency of Chinese banks, and through the improved panel data model. The new brand share variable is added to measure the entry degree of foreign banks, and then the impact of foreign banks entry on the efficiency of Chinese banks is analyzed empirically. The regression results show that: the entry of foreign banks has promoted the efficiency of Chinese banks, and the impact on small and medium-sized commercial banks is more prominent; The entry and development of foreign banks have had a certain impact on the traditional business of domestic banks, which has occupied part of the market share and customer resources. At the same time, it has also promoted the innovation of domestic banking products and business, which has greatly increased the non-interest income. Finally, based on the conclusions of the above empirical research, the following suggestions are put forward: to perfect the banking system, to open the banking industry to the outside world, to improve the banking supervision system, to develop the banking business system in an all-round way; Pay attention to brand culture construction and talent construction.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.3;F224

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