外资银行进入对我国银行业效率影响的实证研究

Empirical Study on the Effect of Foreign Bank's Entry upon the Efficiency of Chinese Banking Industry

中文关键词:  外资银行  银行业效率  面板数据

英文关键词:foreign bank  efficiency of banking sector  panel data

中文摘要:

      随着外资银行大规模地进入我国金融市场,它对我国银行业产生着越来越深远的影响。外资银行进入究竟对我国银行业产生了哪些影响?它影响了我国商业银行效率的哪些方面?长期以来,国内外理论界对此说法不一。本文通过选取2003—2008年我国银行业相关面板数据变量、用数学模型进行实证检验,并对实证结果进行研究分析。实证研究结果表明,外资银行的进入,从短期看,会对我国银行业部分效率指标有一定负相关影响,但部分效率指标也有呈正相关描述。从长远和整体来看,通过“市场竞争效应”,加快银行内部机制改革,会对我国银行业的总体效率提升起到推动和促进作用。

英文摘要:

      With the fact that foreign banks enter China's financial market on a large scale,it is producing more and more far-reaching effects on China's banking industry.What effects have foreign banks brought on China's banking industry? Which aspects are China's commercial banks influenced in terms of efficiency? Is it more beneficial than detrimental or more detrimental than beneficial? For a long time,at home and abroad,the theory boundary has been in different versions to these questions.In this paper,we choose relevant panel data variables of China's banking industry during 2003-2008 and compose empirical testing with mathematical model to analyze the empirical results.The empirical results show that the entry of foreign banks has different impacts on China's banking industry according to the time length.In the short time,it may have a certain negative impact on part of China's banking industry while some of the efficiency indicators also describe a positive correlation.For a long time and as a whole,it will promote and enhance the overall efficiency of China's banking industry by the effect of market competition.