發(fā)布時(shí)間：2018-09-10 17:11

【摘要】：2010年是我國加入WTO第十年，外資銀行進(jìn)入作為我國銀行業(yè)對外開放的重要內(nèi)容之一，為我國銀行業(yè)及金融體系對外開放奠定了堅(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)營地域、產(chǎn)品業(yè)務(wù)范圍、客戶基礎(chǔ)都得到了快速的提升，對中國經(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)入對東道國商業(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)入有利于東道國銀行效率的提升；第二種觀點(diǎn)認(rèn)為：外資銀行進(jìn)入會降低東道國商業(yè)銀行效率。外資銀行在華的發(fā)展受我國特定經(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銀行業(yè)效率、在一定的水平上對效率的影響是否會產(chǎn)生方向上的變化、其影響是否會因?yàn)槲覈虡I(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)入東道國銀行業(yè)動因、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）對我國具有代表性的14家商業(yè)銀行效率進(jìn)行測度，以更加全面的反映我國商業(yè)銀行效率狀況，結(jié)果顯示，我國商業(yè)銀行效率雖有波動，但總體趨于平穩(wěn)性增長；在此基礎(chǔ)上選取我國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)入對中資銀行效率的影響。研究結(jié)果顯示：1.在對宏觀經(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)外資銀行對我國商業(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)入對我國商業(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)入對我國商業(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)入對我國商業(yè)銀行效率的“倒U”型效應(yīng)并未因我國商業(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)因素對我國商業(yè)銀行效率的影響都較為顯著，我國商業(yè)銀行已逐漸成為市場化主體，市場競爭程度、市場開放程度已成為影響我國商業(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)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33

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