發(fā)布時(shí)間：2018-09-10 17:11

【摘要】：2010年是我國(guó)加入WTO第十年，外資銀行進(jìn)入作為我國(guó)銀行業(yè)對(duì)外開(kāi)放的重要內(nèi)容之一，為我國(guó)銀行業(yè)及金融體系對(duì)外開(kāi)放奠定了堅(jiān)實(shí)的基礎(chǔ)。外資銀行在華存在形式逐漸向“法人銀行”形式轉(zhuǎn)變，經(jīng)營(yíng)地域、產(chǎn)品業(yè)務(wù)范圍、客戶(hù)基礎(chǔ)都得到了快速的提升，對(duì)中國(guó)經(jīng)濟(jì)金融發(fā)展的影響也將不斷加深。 理論界有關(guān)外資銀行進(jìn)入對(duì)東道國(guó)商業(yè)銀行效率影響大致有以下兩種觀點(diǎn)：第一種觀點(diǎn)認(rèn)為：外資銀行進(jìn)入有利于東道國(guó)銀行效率的提升；第二種觀點(diǎn)認(rèn)為：外資銀行進(jìn)入會(huì)降低東道國(guó)商業(yè)銀行效率。外資銀行在華的發(fā)展受我國(guó)特定經(jīng)濟(jì)特征的影響具有自身獨(dú)特的發(fā)展路徑，外資銀行的參與將怎樣影響我國(guó)銀行業(yè)效率、在一定的水平上對(duì)效率的影響是否會(huì)產(chǎn)生方向上的變化、其影響是否會(huì)因?yàn)槲覈?guó)商業(yè)銀行產(chǎn)權(quán)性質(zhì)不同而產(chǎn)生變化，是本文研究的主要目的。 本文在理論分析外資銀行進(jìn)入東道國(guó)銀行業(yè)動(dòng)因、作用機(jī)制及分析外資銀行在華特定發(fā)展?fàn)顩r基礎(chǔ)上，運(yùn)用數(shù)據(jù)包絡(luò)法（DEA）對(duì)我國(guó)具有代表性的14家商業(yè)銀行效率進(jìn)行測(cè)度，以更加全面的反映我國(guó)商業(yè)銀行效率狀況，結(jié)果顯示，我國(guó)商業(yè)銀行效率雖有波動(dòng)，但總體趨于平穩(wěn)性增長(zhǎng)；在此基礎(chǔ)上選取我國(guó)2004~2010年14個(gè)商業(yè)銀行數(shù)據(jù)，選擇隨機(jī)效應(yīng)模型作多元回歸分析，客觀衡量外資銀行進(jìn)入對(duì)中資銀行效率的影響。研究結(jié)果顯示：1.在對(duì)宏觀經(jīng)濟(jì)因素、銀行行業(yè)因素、銀行自身層面因素進(jìn)行控制后，發(fā)現(xiàn)外資銀行對(duì)我國(guó)商業(yè)銀行綜合技術(shù)效率具有顯著的正面影響。2.外資銀行進(jìn)入對(duì)我國(guó)商業(yè)銀行效率具有“倒U”型效應(yīng)，，在一定的進(jìn)入水平上，外資銀行進(jìn)入對(duì)我國(guó)商業(yè)銀行效率的影響將產(chǎn)生方向上的變化。3.外資銀行進(jìn)入對(duì)我國(guó)商業(yè)銀行效率的“倒U”型效應(yīng)并未因我國(guó)商業(yè)銀行產(chǎn)權(quán)性質(zhì)的不同而產(chǎn)生顯著差異。4.宏觀經(jīng)濟(jì)因素對(duì)我國(guó)商業(yè)銀行效率的影響都較為顯著，我國(guó)商業(yè)銀行已逐漸成為市場(chǎng)化主體，市場(chǎng)競(jìng)爭(zhēng)程度、市場(chǎng)開(kāi)放程度已成為影響我國(guó)商業(yè)銀行效率的重要因素。最后，在本文理論分析和實(shí)證分析的基礎(chǔ)上，提出了關(guān)鍵性的幾點(diǎn)政策建議。
[Abstract]:The year 2010 is the tenth year of China's entry into WTO. As one of the important contents of the opening up of China's banking industry, foreign banks have laid a solid foundation for the opening up of our banking and financial system. The existing form of foreign banks in China has gradually changed to the form of "corporate bank". The area of operation, the scope of product business and the customer base have all been rapidly promoted, and the impact on the economic and financial development of China will also be deepened. There are two views on the influence of foreign bank entry on the efficiency of commercial banks in the host country: the first view is that the entry of foreign banks is conducive to the improvement of the efficiency of the host country bank; The second view is that the entry of foreign banks will reduce the efficiency of commercial banks in the host country. The development of foreign banks in China has its own unique development path under the influence of the specific economic characteristics of our country. How does the participation of foreign banks affect the efficiency of China's banking industry? The main purpose of this paper is whether the influence on efficiency will change in direction at a certain level, and whether the influence will change because of the different property rights of commercial banks in our country. Based on the theoretical analysis of the reasons and the mechanism of foreign banks entering the host country, and the analysis of the specific development of foreign banks in China, this paper uses the data envelopment method (DEA) to measure the efficiency of 14 representative commercial banks in China. The results show that the efficiency of commercial banks in our country is fluctuating, but it tends to increase steadily. On this basis, the data of 14 commercial banks from 2004 to 2010 are selected. The random effect model is chosen as multiple regression analysis to objectively measure the influence of foreign banks entry on the efficiency of Chinese banks. The results of the study show that 1: 1. After controlling the macroeconomic factors, banking industry factors and banks' own factors, it is found that foreign banks have a significant positive impact on the comprehensive technical efficiency of commercial banks in China. The entry of foreign banks has a "inverted U" effect on the efficiency of commercial banks in China. At a certain level of entry, the influence of entry of foreign banks on the efficiency of commercial banks in China will change in the direction of .3. The "inverted U" effect of the entry of foreign banks on the efficiency of commercial banks in China has no significant difference due to the different property rights of commercial banks in China. Macroeconomic factors have a significant impact on the efficiency of commercial banks in China. Commercial banks in China have gradually become the main body of marketization, the degree of market competition and the degree of market opening have become important factors affecting the efficiency of commercial banks in China. Finally, on the basis of theoretical analysis and empirical analysis, some key policy suggestions are put forward.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前9條

1 劉亞;楊大強(qiáng);張曙東;;開(kāi)放經(jīng)濟(jì)條件下外資銀行對(duì)我國(guó)商業(yè)銀行效率影響研究[J];財(cái)貿(mào)經(jīng)濟(jì);2009年08期

2 陳奉先;涂萬(wàn)春;;外資銀行進(jìn)入對(duì)東道國(guó)銀行業(yè)效率的影響——東歐國(guó)家的經(jīng)驗(yàn)與中國(guó)的實(shí)踐[J];世界經(jīng)濟(jì)研究;2008年01期

3 趙翔;;銀行分支機(jī)構(gòu)效率測(cè)度及影響因素分析——基于超效率DEA與Tobit模型的實(shí)證研究[J];經(jīng)濟(jì)科學(xué);2010年01期

4 甘小豐;;中國(guó)商業(yè)銀行效率的SBM分析——控制宏觀和所有權(quán)因素[J];金融研究;2007年10期

5 李偉;韓立巖;;外資銀行進(jìn)入對(duì)我國(guó)銀行業(yè)市場(chǎng)競(jìng)爭(zhēng)度的影響：基于Panzar-Rosse模型的實(shí)證研究[J];金融研究;2008年05期

6 張金清;吳有紅;;外資銀行進(jìn)入水平影響商業(yè)銀行效率的“闕值效應(yīng)”分析——來(lái)自中國(guó)商業(yè)銀行的經(jīng)驗(yàn)證據(jù)[J];金融研究;2010年06期

7 侯曉輝;張國(guó)平;;所有權(quán)、戰(zhàn)略引資與中國(guó)商業(yè)銀行的效率[J];世界經(jīng)濟(jì);2008年05期

8 毛捷;李冠一;金雪軍;;外資潛在進(jìn)入的競(jìng)爭(zhēng)效應(yīng)分析:來(lái)自中國(guó)銀行業(yè)對(duì)外開(kāi)放的經(jīng)驗(yàn)證據(jù)[J];世界經(jīng)濟(jì);2009年07期

9 袁曉玲;張寶山;;中國(guó)商業(yè)銀行全要素生產(chǎn)率的影響因素研究——基于DEA模型的Malmquist指數(shù)分析[J];數(shù)量經(jīng)濟(jì)技術(shù)經(jīng)濟(jì)研究;2009年04期

本文編號(hào)：2235089