外资进入与银行业效率的实证研究  

Empirical Research on Foreign Banks Entering and Efficiency of Chinese Banking

作　　者：杜群阳[1] 朱佳钰 

机构地区：[1]浙江工业大学经贸管理学院 [2]荷兰蒂尔堡(Tilburg)大学金融系

出　　处：《国际贸易问题》2010年第2期114-121,共8页Journal of International Trade

基　　金：国家自然科学基金项目(批准号70703030);教育部人文社会科学研究项目(批准号07JA790083);浙江省科技厅软科学项目(批准号2007C35008);浙江省自然科学基金项目(批准号Y6080222)阶段性研究成果

摘　　要：我国银行业全面对外资开放已近三年,外资银行进入对我国银行业效率的影响问题正成为学术界关注的焦点。本文以我国具有代表性的13家银行1998年至2007年间的统计数据为基础,就外资银行进入对我国银行业效率的影响进行实证分析。研究发现:外生政策导致我国银行业市场结构仍呈现垄断特征并缺乏效率,外资进入未能改变我国银行业竞争格局,而外资进入带来的竞争效应造成我国银行成本费用率和经营风险有所上升。在实证研究基础上,本文提出了进一步加大开放力度,加快利率市场化进程等促进我国银行业效率提升的对策建议。Three years has passed since the complete open of Chinese banking market, the influence of foreign banks entering on Chinese domestic banks is becoming the focus of scholars. This paper makes an empirical study on the effect of foreign banks entering on domestic banking based on the statistical data of 13 banks during 1998-2007. The paper indicates that the exogenous policy causes the banking structure remaining monopoly and lacking of efficiency, foreign banks entering has not change Chinese banking market structure, the competition effect by foreign banks entering caused the cost and risk rising. Based on the empirical result, the paper proposes some countermeasures for improving Chinese banking efficiency, such as increasing opening degree and speeding up the marketization of interest rate.

关 键 词：外资银行 银行业效率 实证研究 

分 类 号：F832.1[经济管理—金融学] F724.2