本文選題：金融業(yè) + FDI�。� 參考：《海南大學(xué)》2017年碩士論文

【摘要】：隨著我國金融業(yè)對外開放進(jìn)程的不斷深化,外資銀行開始在我國發(fā)展起來,其資產(chǎn)規(guī)模擴(kuò)大,對我國金融行業(yè)的發(fā)展產(chǎn)生了深遠(yuǎn)的影響。然而,一方面,我國對外開放水平相對于發(fā)達(dá)國家還是有一定差距,外資銀行在我國的市場份額較小;另一方面,外資銀行的資產(chǎn)總額所占銀行資產(chǎn)份額近幾年呈現(xiàn)下降趨勢。鑒于此,在開放格局下,研究金融業(yè)FDI流入的影響因素,從而更好地促進(jìn)金融業(yè)FDI的流入具有十分重要的意義。通過梳理現(xiàn)有有關(guān)金融業(yè)FDI影響因素的文獻(xiàn)發(fā)現(xiàn),FDI進(jìn)入東道國金融部門的動因主要包括:追求利潤、獲取競爭優(yōu)勢、規(guī)模經(jīng)濟(jì)和提高經(jīng)營管理效率、市場跟隨以及非經(jīng)濟(jì)因素等。深入分析我國金融部門吸收FDI的歷史進(jìn)程所呈現(xiàn)的態(tài)勢可以看出,金融業(yè)吸收FDI不僅受到國際金融環(huán)境的影響,還受到國內(nèi)金融體制改革進(jìn)程、以及國家政策走向等因素的影響,是多種因素共同發(fā)揮作用的結(jié)果�；诂F(xiàn)有研究結(jié)論和對金融業(yè)FDI現(xiàn)狀分析,本研究構(gòu)建了一個包括市場潛力、勞動力成本、貿(mào)易開放度、金融發(fā)展程度、國際收支狀況、人力資本、以及東道國基礎(chǔ)設(shè)施在內(nèi)的研究框架,使用1993年-2015年的時間序列數(shù)據(jù),運(yùn)用OLS回歸分析方法,考察了銀行業(yè)全面開放格局下金融業(yè)FDI的影響因素。研究發(fā)現(xiàn),市場潛力、勞動力成本、貿(mào)易開放度、金融發(fā)展程度以及人力資本是影響金融業(yè)FDI的關(guān)鍵因素,與此同時,銀行業(yè)全面開放對金融業(yè)FDI流入起加速作用,改善了其他因素對于金融業(yè)FDI的影響。盡管這些因素在模型中對于金融業(yè)FDI流入有顯著效應(yīng),市場增長潛力、勞動力成本和人力資本等因素對金融業(yè)FDI的影響方向與預(yù)期相反。研究結(jié)果表明,跨國金融機(jī)構(gòu)來華投資最主要的目標(biāo)仍然是獲取競爭優(yōu)勢為主,而非成本導(dǎo)向利用東道國廉價的勞動力或東道國先進(jìn)的技術(shù)和管理經(jīng)驗(yàn)。這從側(cè)面反映出我國金融行業(yè)目前所擁有的技術(shù)和管理經(jīng)驗(yàn)等還不先進(jìn),與跨國金融機(jī)構(gòu)相比還存在一定差距�；谘芯拷Y(jié)論,本研究提出,通過積極推進(jìn)我國金融體制改革,加快金融業(yè)全面開放格局,將有助于加速我國金融部門吸收FDI。此外,國內(nèi)金融行業(yè)亟需加快金融產(chǎn)品和服務(wù)的研發(fā),提升國內(nèi)的技術(shù)水平,學(xué)習(xí)先進(jìn)的經(jīng)營管理經(jīng)驗(yàn),以便能有機(jī)會參與到與跨國金融機(jī)構(gòu)的競爭。
[Abstract]:With the deepening of China's financial industry opening to the outside world, foreign banks have begun to develop in our country. The expansion of their assets has a far-reaching impact on the development of our financial industry. On the one hand, China's opening level has a certain gap relative to the developed countries, and the market share of foreign banks is smaller in our country. On the other hand, the total assets of foreign banks account for a downward trend in the bank's share of assets in recent years. In the light of this, in the open pattern, it is of great significance to study the influence factors of the FDI inflow in the financial industry so as to better promote the inflow of FDI in the financial industry. By combing the literature discovery of the factors affecting the FDI of the financial industry, FDI The main reasons for the financial sector of the host country include: pursuing profit, gaining competitive advantage, economies of scale, improving management efficiency, market following and non economic factors. It can be seen that the financial sector absorbs FDI not only in the international financial environment, but also in the analysis of the historical process of absorbing FDI in China's financial sector. The impact of the domestic financial system reform and the trend of national policy is the result of a variety of factors. Based on the existing research conclusions and the analysis of the current situation of the financial industry FDI, this study builds a market potential, labor costs, trade openness, financial development, and balance of payments, The research framework, including human capital and the host country infrastructure, uses the time series data of 1993 -2015 and the OLS regression analysis to examine the factors affecting the financial industry FDI under the overall opening of the banking industry. The research finds that market potential, labor cost, trade openness, financial development and human capital are the results. The key factors affecting the financial industry FDI, at the same time, the overall opening of the banking industry has accelerated the FDI inflow of the financial industry and improved the impact of other factors on the financial industry FDI. Although these factors have significant effects on the financial industry FDI inflow, the market growth potential, labor cost and human capital are the FDI of financial industry FDI The research results show that the main goal of the multinational financial institutions to invest in China is still to obtain competitive advantage, but not the cost oriented use of the host country's cheap labor force or the advanced technology and management experience of the host country. This reflects the technology and management of our financial industry at the present side. Compared with the multinational financial institutions, there is still a gap between the experience and so on. Based on the research conclusions, this study suggests that by actively promoting the reform of China's financial system and accelerating the overall opening of the financial sector, it will help to accelerate the absorption of FDI. in our financial sector, and the domestic financial industry urgently needs to accelerate the research and development of financial products and services. We should upgrade our domestic technology level and learn advanced management experience so that we can have the opportunity to compete with multinational financial institutions.
【學(xué)位授予單位】：海南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.6

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