本文選題：銀行效率 + 跨國(guó)經(jīng)營(yíng)��； 參考：《復(fù)旦大學(xué)》2012年碩士論文

【摘要】：自1979年日本輸出入銀行在北京設(shè)立第一家代表處標(biāo)志著外資銀行開始進(jìn)入中國(guó),直到我國(guó)履行入世承諾對(duì)外資銀行全面開放后迎來(lái)第一個(gè)五年,外資銀行在我國(guó)走過了三十多年。期間,不僅外資銀行的業(yè)務(wù)發(fā)展規(guī)模越來(lái)越大,同時(shí),對(duì)中國(guó)銀行業(yè)的影響力也越來(lái)越大。本文首先回顧了與銀行業(yè)跨國(guó)經(jīng)營(yíng)有關(guān)的金融開放與銀行效率等理論,同時(shí),也簡(jiǎn)要地介紹了外資銀行進(jìn)入一國(guó)的方式與影響。第三章概述了2006-2010這五年來(lái)國(guó)際經(jīng)濟(jì)與金融的大背景,分析了外資銀行在華業(yè)務(wù)模式與市場(chǎng)地位,并同時(shí)分析了外資銀行在華擴(kuò)張的路徑與影響。結(jié)果表明：2006年之后,外資銀行大幅增加了在中國(guó)的投資總額,增設(shè)了營(yíng)業(yè)性網(wǎng)點(diǎn)并加速轉(zhuǎn)制成法人銀行,在中國(guó)的投資進(jìn)程進(jìn)新的階段。在本章還就韓資銀行在華經(jīng)營(yíng)案例進(jìn)行研究,并探討新興外資銀行如何在華實(shí)現(xiàn)穩(wěn)定與增長(zhǎng)。 接著,本文在第四章選取我國(guó)銀行市場(chǎng)上占主要地位的16家銀行2006-2010年的面板數(shù)據(jù),對(duì)2006年《外資銀行管理?xiàng)l例》頒布之后,外資銀行在華的進(jìn)一步擴(kuò)張活動(dòng)是否對(duì)中國(guó)銀行業(yè)的發(fā)展造成影響進(jìn)行實(shí)證分析。我們采用變截距模型和固定效應(yīng)模型對(duì)外資銀行進(jìn)入的影響進(jìn)行GLS估計(jì)。借鑒Claessens(2001)的經(jīng)典模型,利用銀行的財(cái)務(wù)指標(biāo)從經(jīng)營(yíng)效率,成本效率,抗風(fēng)險(xiǎn)效率和流動(dòng)性效率四個(gè)角度來(lái)考察影響。結(jié)果表明,在整個(gè)觀測(cè)期內(nèi),宏觀因素對(duì)我國(guó)銀行經(jīng)營(yíng)績(jī)效影響顯著,外資銀行的進(jìn)入與經(jīng)營(yíng)費(fèi)用關(guān)系為負(fù),與非利息收入關(guān)系為正,與貸款呆賬準(zhǔn)備金率的關(guān)系為正,與貸款率的關(guān)系并不顯著。外資銀行的進(jìn)入使得國(guó)內(nèi)銀行的經(jīng)營(yíng)費(fèi)用降低、非利息收入增加,同時(shí)使其短期內(nèi)資產(chǎn)質(zhì)量下降,風(fēng)險(xiǎn)增加,但對(duì)國(guó)內(nèi)銀行流動(dòng)性的影響并不顯著。這表明雖然前文的理論分析認(rèn)為外資銀行進(jìn)入可以通過對(duì)產(chǎn)權(quán)、市場(chǎng)結(jié)構(gòu)、銀行內(nèi)部治理及外部環(huán)境對(duì)過內(nèi)銀行業(yè)的大部分績(jī)效產(chǎn)生一定影響,但對(duì)流動(dòng)性的影響力比較有限。因此,在全球經(jīng)濟(jì)艱難復(fù)蘇以及國(guó)際銀行業(yè)重組的大背景下,中國(guó)銀行業(yè)必須牢牢抓住歷史契機(jī),在競(jìng)爭(zhēng)中增強(qiáng)自身實(shí)力,同時(shí)通過相互之間的股權(quán)投資和自身的股份制產(chǎn)權(quán)改造,使經(jīng)營(yíng)管理水平和抗風(fēng)險(xiǎn)能力不斷向國(guó)際領(lǐng)先的外資銀行靠攏。政策方面,應(yīng)不斷改進(jìn)、完善和加強(qiáng)對(duì)中外銀行業(yè)運(yùn)營(yíng)的宏觀調(diào)控與監(jiān)管,并必須徹底分離國(guó)有商業(yè)銀行政策性業(yè)務(wù),提高商業(yè)銀行商業(yè)化經(jīng)營(yíng)度。
[Abstract]:The establishment of the first representative office in Beijing by Japan's Export and Import Bank in 1979 marks the beginning of the entry of foreign banks into China until the first five years after China fully opened to foreign banks in accordance with its WTO commitments.Foreign banks have been in our country for more than thirty years.During this period, foreign banks are not only growing in size, but also more influential in China's banking sector.This paper first reviews the theories of financial openness and banking efficiency related to the transnational operation of the banking industry. At the same time, it also briefly introduces the ways and influences of foreign banks entering a country.The third chapter summarizes the background of international economy and finance in the past five years from 2006 to 2010, analyzes the business model and market status of foreign banks in China, and analyzes the path and influence of the expansion of foreign banks in China at the same time.The results show that after 2006, the total investment amount of foreign banks in China has been increased significantly, the business network has been added and turned into corporate banks, and the investment process in China has entered a new stage.In this chapter, the case study of Korean banks in China, and how to achieve stability and growth of emerging foreign banks in China.Then, in the fourth chapter, we select the panel data of 16 banks in China's banking market from 2006 to 2010.Whether the further expansion of foreign banks in China will have an impact on the development of China's banking industry is empirically analyzed.We use variable intercept model and fixed effect model to estimate the impact of foreign banks' entry into GLS.Based on the classical model of Claessensor 2001, this paper uses the financial index of the bank to investigate the influence from four aspects: operating efficiency, cost efficiency, risk resistance efficiency and liquidity efficiency.The results show that during the whole observation period, macro factors have a significant impact on the performance of Chinese banks. The relationship between entry and operating expenses of foreign banks is negative, the relationship between entry and non-interest income is positive, and the relationship with the reserve ratio of bad loans is positive.The relationship with loan ratio is not significant.The entry of foreign banks reduces the operating expenses and increases the non-interest income of the domestic banks. At the same time, the quality of assets decreases and the risk increases in the short term, but the effect on the liquidity of domestic banks is not significant.This indicates that although the previous theoretical analysis shows that the entry of foreign banks can have a certain impact on most of the performance of the over-internal banking industry through property rights, market structure, bank internal governance and external environment, the influence on liquidity is relatively limited.Therefore, against the backdrop of the difficult recovery of the global economy and the restructuring of the international banking sector, the Chinese banking industry must firmly seize the historical opportunity to enhance its own strength in the competition.At the same time, through mutual equity investment and the reform of their own joint-stock property rights, the level of management and the ability to resist risks continue to draw close to the international leading foreign banks.In terms of policy, we should constantly improve, perfect and strengthen the macro-control and supervision over the operation of Chinese and foreign banks, and we must thoroughly separate the policy business of state-owned commercial banks and enhance the degree of commercial operation of commercial banks.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832;F224

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