【摘要】：從1978年至今，外資銀行在我國的發(fā)展經(jīng)歷了巨大而深刻的變化，我國對外資銀行的各方面規(guī)制無論是在經(jīng)驗(yàn)還是法律制度上也都在逐步發(fā)展和完善。近日在北京召開的2012年全國外資銀行監(jiān)管工作會(huì)議回顧了加入世貿(mào)組織十年來，銀行業(yè)對外開放及外資銀行監(jiān)管取得的成績，研究部署了2012年外資銀行監(jiān)管工作。這說明對外資銀行進(jìn)入規(guī)制研究具有一定的現(xiàn)實(shí)意義。本文的研究目的在于實(shí)證分析目前我國對外資銀行在各方面的進(jìn)入規(guī)制對我國銀行業(yè)所起的作用如何，是否存在規(guī)制過渡問題，限制了外資銀行發(fā)揮其競爭作用，以及分析我國在對待外資銀行進(jìn)入的問題上處在歷史的什么階段，應(yīng)該往何處發(fā)展。 本文通過改變傳統(tǒng)的計(jì)量模型，加入了一個(gè)描述進(jìn)入規(guī)制程度的虛擬變量，對2004年至2010年我國銀行業(yè)數(shù)據(jù)進(jìn)行最小二乘法的計(jì)量運(yùn)算，得出我國在2006年頒布的《中華人民共和國外資銀行管理?xiàng)l例》和《實(shí)施細(xì)則》對我國銀行業(yè)的影響是顯著的，意義深遠(yuǎn)。但是，外資銀行控制變量的不顯著有說明了外資銀行在我國的發(fā)展仍然處于開始階段，發(fā)展緩慢，對我國銀行業(yè)的各種效率影響不大，競爭作用沒有充分發(fā)揮。實(shí)證分析后，又通過案例分析，研究了美國、歐盟、加拿大、日本等國的外資銀行進(jìn)入規(guī)制情況，借鑒國際經(jīng)驗(yàn)。 本文對此結(jié)果給出的結(jié)論是，我國應(yīng)該繼續(xù)加大對外資銀行進(jìn)入規(guī)制的放松，出臺(tái)具體的規(guī)制政策來促進(jìn)外資銀行在我國的快速發(fā)展，充分發(fā)揮競爭作用。同時(shí)，除了放松規(guī)制外，還要加入激勵(lì)因素，積極鼓勵(lì)外資銀行在華投資力度和規(guī)模，擴(kuò)大在華營業(yè)網(wǎng)點(diǎn)的建立，在營業(yè)網(wǎng)點(diǎn)網(wǎng)絡(luò)規(guī)模上縮小與國內(nèi)銀行的差距。在對外資銀行開放過程中，要同步進(jìn)行利率市場化和資本賬戶開放的進(jìn)程，以此加大外資銀行的競爭作用。最后，對外資銀行進(jìn)入規(guī)制總結(jié)，認(rèn)為要因時(shí)制宜。既要在初始階段，充分鼓勵(lì)外資銀行進(jìn)入，，讓我國銀行業(yè)在逆境中發(fā)展，又要在規(guī)制過程中加強(qiáng)監(jiān)管，防止外資銀行帶來的不利競爭要成銀行業(yè)危機(jī)的發(fā)生。
[Abstract]:From 1978 to now, the development of foreign banks in China has undergone tremendous and profound changes, the various aspects of regulation of foreign banks in our country have been gradually developed and perfected both in experience and legal system. The 2012 National Conference on the Supervision of Foreign Banks held in Beijing recently reviewed the achievements made in the opening up of the banking sector and the supervision of foreign banks over the past ten years since China's accession to the WTO, and studied and deployed the supervision of foreign banks in 2012. This shows that the entry regulation of foreign banks has a certain practical significance. The purpose of this paper is to empirically analyze how the entry regulation of foreign banks in China plays a role in China's banking industry, whether there is a problem of regulatory transition, which restricts foreign banks from playing their competitive role. It also analyzes the historical stage of China's treatment of the entry of foreign banks and where it should develop. By changing the traditional econometric model and adding a virtual variable to describe the degree of entry regulation, this paper carries out the least square calculation of the banking data from 2004 to 2010 in China. It is concluded that the regulations of the people's Republic of China on the Administration of Foreign Banks and the detailed rules of implementation issued in 2006 have a significant and far-reaching impact on the banking industry of China. However, the lack of control variables of foreign banks indicates that the development of foreign banks in our country is still in the initial stage, the development is slow, the impact on the efficiency of China's banking industry is not significant, and the role of competition is not fully brought into play. After empirical analysis, this paper studies the entry regulation of foreign banks in the United States, the European Union, Canada, Japan and other countries through case studies, and draws lessons from international experience. The conclusion of this paper is that our country should continue to strengthen the relaxation of entry regulation of foreign banks, introduce specific regulatory policies to promote the rapid development of foreign banks in China, and give full play to the role of competition. At the same time, in addition to deregulation, incentives should be added to encourage foreign banks to invest and scale in China, expand the establishment of business outlets in China, and narrow the gap with domestic banks in the network size of business outlets. In the process of opening to foreign banks, the process of interest rate marketization and capital account opening should be carried out simultaneously, so as to increase the competitive role of foreign banks. Finally, the conclusion of entry regulation of foreign banks is that measures should be taken in accordance with the times. It is necessary to encourage the entry of foreign banks in the initial stage, to make the banks of our country develop in the adverse circumstances, and to strengthen the supervision in the course of regulation so as to prevent the adverse competition brought by foreign banks from becoming a banking crisis.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 謝洪燕;龔堅(jiān);;加入WTO過渡期后我國銀行業(yè)的發(fā)展趨向[J];武漢金融;2007年06期

2 邢厚媛;;“狼”來了,我們做好準(zhǔn)備了嗎?——談向外資銀行全面開放本幣業(yè)務(wù)的影響[J];今日中國論壇;2006年12期

3 張靜,王金全,孫錫武,任亞軍;加入WTO與欠發(fā)達(dá)地區(qū)銀行業(yè)發(fā)展的策略[J];上海金融;2001年02期

4 劉勘;;稅負(fù)有望減輕 銀行股將受惠多多[J];證券導(dǎo)刊;2005年46期

5 韓立東;中國銀行業(yè)外資并購的機(jī)遇、挑戰(zhàn)與對策研究[J];山東社會(huì)科學(xué);2005年08期

6 周祥生;;增強(qiáng)與外資銀行競爭能力的探討[J];國際金融研究;1990年10期

7 邵望予;;進(jìn)一步開放外資銀行促進(jìn)我國對外經(jīng)濟(jì)貿(mào)易的發(fā)展[J];國際貿(mào)易;1990年08期

8 廖笑非;對引進(jìn)外資銀行策略問題的思考[J];亞太經(jīng)濟(jì);2000年03期

9 孫玉德,凌萬馬;加入WTO對中國銀行業(yè)的影響及對策[J];城市金融論壇;2000年06期

10 生柳榮;國有商業(yè)銀行與外資銀行優(yōu)劣勢比較[J];投資研究;2001年03期

相關(guān)會(huì)議論文 前10條

1 ;以改革創(chuàng)新精神推進(jìn)組織工作更好地服務(wù)于銀行業(yè)科學(xué)發(fā)展[A];改革創(chuàng)新鑄輝煌——紀(jì)念改革開放30周年黨的建設(shè)和組織工作理論研討會(huì)論文集[C];2008年

2 翁嘉禧;;從《實(shí)業(yè)計(jì)劃》要義評述外資在今日中國的發(fā)展:以外資銀行為軸心[A];近代中國(第十九輯)[C];2009年

3 孫紅;劉琳;;外資銀行客戶保持管理及其效果研究[A];中國高等院校市場學(xué)研究會(huì)2009年年會(huì)論文集[C];2009年

4 劉坤坤;;芻議WTO下中國對外資銀行監(jiān)管法制的完善[A];《WTO法與中國論壇》文集——中國法學(xué)會(huì)世界貿(mào)易組織法研究會(huì)年會(huì)論文集(二)[C];2003年

5 ;對我國外資銀行立法中“限制與優(yōu)惠待遇”的再認(rèn)識(shí)——兼論GATS“逐步自由化原則”對外資銀行立法的影響[A];《WTO法與中國論壇》文集——中國法學(xué)會(huì)世界貿(mào)易組織法研究會(huì)年會(huì)論文集(三)[C];2004年

6 招商銀行總行戰(zhàn)略發(fā)展部課題組;許世清;劉勇;;中國銀行業(yè)運(yùn)營特征及發(fā)展趨勢研究[A];第八屆國有經(jīng)濟(jì)論壇：中國商業(yè)銀行深化改革與管理創(chuàng)新學(xué)術(shù)研討會(huì)論文集[C];2008年

7 葛兆強(qiáng);;商業(yè)銀行國際化:動(dòng)因、挑戰(zhàn)與策略[A];第八屆國有經(jīng)濟(jì)論壇：中國商業(yè)銀行深化改革與管理創(chuàng)新學(xué)術(shù)研討會(huì)論文集[C];2008年

8 曾文革;陶旭e

本文編號(hào)：2302006