本文選題：銀行國(guó)際化　切入點(diǎn)：決定因素　出處：《上海社會(huì)科學(xué)院》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：2008年國(guó)際金融危機(jī)爆發(fā)后,歐美發(fā)達(dá)國(guó)家的經(jīng)濟(jì)實(shí)力和國(guó)際地位下降,銀行業(yè)遭受重創(chuàng),客觀上為我國(guó)商業(yè)銀行進(jìn)行國(guó)際化經(jīng)營(yíng)提供了難得的發(fā)展機(jī)遇。與此同時(shí),我國(guó)經(jīng)濟(jì)實(shí)力不斷提升,對(duì)外直接投資和貿(mào)易量日益增長(zhǎng),越來(lái)越多的企業(yè)進(jìn)軍海外,利率市場(chǎng)化、人民幣國(guó)際化和監(jiān)管要求國(guó)際化等一系列發(fā)展趨勢(shì)都要求我國(guó)商業(yè)銀行加快國(guó)際化步伐,提供更好的跨境金融服務(wù)。然而,與世界知名跨國(guó)銀行相比,目前我國(guó)商業(yè)銀行的國(guó)際化程度還很低,本文正是在此背景下研究我國(guó)商業(yè)銀行國(guó)際化的決定因素,并為未來(lái)發(fā)展提供一些建議。 本文首先對(duì)銀行國(guó)際化的相關(guān)概念和經(jīng)典理論進(jìn)行歸納,作為本文的理論基礎(chǔ)；然后分別介紹了世界銀行業(yè)與我國(guó)商業(yè)銀行的國(guó)際化歷程及現(xiàn)狀并對(duì)二者進(jìn)行對(duì)比分析,直觀地揭示我國(guó)商業(yè)銀行所處的國(guó)際化階段,并在此基礎(chǔ)上分析決定我國(guó)商業(yè)銀行國(guó)際化的主要因素,主要包括我國(guó)經(jīng)濟(jì)體制和政策環(huán)境變遷、金融危機(jī)帶來(lái)歷史機(jī)遇、銀行規(guī)模、國(guó)際化經(jīng)營(yíng)經(jīng)驗(yàn)和經(jīng)營(yíng)績(jī)效等自身因素、我國(guó)與東道國(guó)的貿(mào)易投資往來(lái)及東道國(guó)的區(qū)位因素等；而后根據(jù)銀行國(guó)際化理論和以往的研究成果,結(jié)合我國(guó)商業(yè)銀行國(guó)際化的實(shí)際情況,選取了七個(gè)主要因素,建立了兩個(gè)面板數(shù)據(jù)回歸模型,從銀行自身和外部環(huán)境兩個(gè)方面對(duì)我國(guó)商業(yè)銀行國(guó)際化的決定因素進(jìn)行研究。實(shí)證研究結(jié)果如下：在銀行自身因素中,國(guó)際化經(jīng)營(yíng)的經(jīng)驗(yàn)與我國(guó)商業(yè)銀行的國(guó)際化存在顯著的正相關(guān)關(guān)系,銀行的規(guī)模和經(jīng)營(yíng)績(jī)效尚不能解釋我國(guó)商業(yè)銀行的國(guó)際化,但可以預(yù)期隨著銀行國(guó)際化經(jīng)驗(yàn)的積累,這兩個(gè)因素在未來(lái)國(guó)際化發(fā)展中會(huì)逐漸扮演重要角色。在外部環(huán)境因素中,我國(guó)對(duì)東道國(guó)(地區(qū))的FDI和雙邊貿(mào)易額同我國(guó)商業(yè)銀行的海外機(jī)構(gòu)數(shù)量存在顯著的正相關(guān)關(guān)系,貿(mào)易投資引導(dǎo)理論適用于我國(guó)實(shí)際情況。東道國(guó)(地區(qū))的經(jīng)濟(jì)發(fā)展水平是影響我國(guó)商業(yè)銀行國(guó)際化的重要因素,東道國(guó)(地區(qū))的經(jīng)濟(jì)開(kāi)放程度沒(méi)有通過(guò)檢驗(yàn),這與指標(biāo)選取有一定關(guān)系。從實(shí)際來(lái)看,我國(guó)商業(yè)銀行傾向于進(jìn)入經(jīng)濟(jì)發(fā)展水平高且較為開(kāi)放的國(guó)家和地區(qū)。最后對(duì)實(shí)證研究結(jié)果進(jìn)行歸納和分析,聯(lián)系實(shí)際情況對(duì)我國(guó)商業(yè)銀行未來(lái)的國(guó)際化經(jīng)營(yíng)提出相應(yīng)的建議。
[Abstract]:After the outbreak of the international financial crisis in 2008, the economic strength and international status of the developed countries in Europe and the United States declined, and the banking industry suffered a heavy blow, which objectively provided a rare development opportunity for our commercial banks to carry out international operations. China's economic strength is constantly improving, the volume of foreign direct investment and trade is growing day by day, more and more enterprises are entering overseas, and interest rates are market-oriented. A series of development trends, such as internationalization of RMB and regulatory requirements, require Chinese commercial banks to speed up internationalization and provide better cross-border financial services. However, compared with world-renowned multinational banks, At present, the degree of internationalization of commercial banks in China is still very low. This paper studies the determinants of internationalization of Chinese commercial banks under this background, and provides some suggestions for the future development. This paper first summarizes the relevant concepts and classical theories of bank internationalization as the theoretical basis of this paper, then introduces the internationalization process and current situation of the world banking industry and China's commercial banks, and makes a comparative analysis of the two. On the basis of analyzing the main factors that determine the internationalization of Chinese commercial banks, including the changes of economic system and policy environment, and the historical opportunities brought by the financial crisis, this paper reveals the internationalization stage of commercial banks in China directly and intuitively, and analyzes the main factors that determine the internationalization of commercial banks in China on this basis. The bank scale, international management experience and management performance, trade and investment between China and the host country, and the location of the host country, etc., and then according to the theory of bank internationalization and previous research results, According to the actual situation of internationalization of commercial banks in China, seven main factors are selected and two panel data regression models are established. This paper studies the determinants of the internationalization of commercial banks in China from the aspects of the banks themselves and the external environment. The empirical results are as follows: among the factors of the banks themselves, There is a significant positive correlation between the experience of international operation and the internationalization of Chinese commercial banks. The scale and performance of banks can not explain the internationalization of Chinese commercial banks, but it can be expected that with the accumulation of international experience of banks, These two factors will gradually play an important role in the development of internationalization in the future. Among the external environmental factors, there is a significant positive correlation between the FDI and bilateral trade volume of China's host country (region) and the number of overseas institutions of Chinese commercial banks. The level of economic development of the host country (region) is an important factor affecting the internationalization of commercial banks in China, and the degree of economic openness of the host country (region) has not passed the test. This is related to the selection of indicators. From a practical point of view, Chinese commercial banks tend to enter countries and regions with a high level of economic development and are more open. Finally, the empirical research results are summarized and analyzed. In light of the actual situation, the paper puts forward corresponding suggestions for the future international operation of Chinese commercial banks.
【學(xué)位授予單位】：上海社會(huì)科學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33;F272.3

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