外资银行进入对东道国银行业效率的影响--东欧国家的经验与中国的实践  

The Effect of Foreign Bank′s Entry on the Efficiency of Host Country′s Banking Sector:Eastern European Countries′ Experience and China′s Practice

作　　者：陈奉先[1] 涂万春 

机构地区：[1]北京师范大学珠海分校物流学院 [2]华禹水务产业投资基金

出　　处：《世界经济研究》2008年第1期26-35,共10页World Economy Studies

摘　　要：东欧国家银行改革的经验表明,外资银行进入能普遍提高东道国银行业的效率。但是,外资银行发挥积极作用亦取决于一定条件:东道国经济发展水平、银行业规模及发育程度、监管水平、银行业的改革路径和引资方式。本文在综述东欧国家银行业改革经验的基础上,提出中国银行业改革的7个命题,并用中国24家银行1999～2006年间的数据构建模型进行检验,最后得出结论:短期内外资银行进入会导致东道国银行业利润水平下降、风险管理水平上升,在中国的背景下可以认定这是外资银行积极作用的发挥;外资银行机构数量的增加和持股比重的上升都能刺激中国银行业效率的改进,但是外资银行持股比重的影响更具普遍性;不同类型银行对外资银行进入的反应存在差异,国有商业银行反应比较迟钝,而股份制和城市商业银行反应比较迅速。The State Banks′ reform of Eastern Europen countries shows that the foreign banks′ entry generally improves the banking industry efficiency of the host countries. But the fact that foreign banks play a positive role might depends on certain conditions such as the level of host countries′ economy development, the scale and maturity of the banking industry, regulatory capability, banking reform path and the way to attract foreign investment. Based on reviewing the banking reform experience of Eastern European countries, we propose seven propositions on China′s banking sector reform and empirically verify the seven propositions using data from 24 banks between 1999 and 2006 ,then draw final conclusions: foreign banks entry may lower the profit rate of host country′s banking industry in short-term, and improve host country banking′s risk management skills, thus it is our believe that foreign banks play a positive role definitely; the increase in number of foreign banking institutions and the rise in equities can stimulate the efficiency of banking sector in China, but the rise of foreign holdings equities play a more important role; different types of domestic banks response differently to foreign banks entry, with state-owned commercial banks less sensitive compared with joint-stock and city commercial banks.

关 键 词：外资银行进入 银行业效率 东欧 中国 经验 实践 

分 类 号：F831[经济管理—金融学]