战略引资和网点规模对银行信贷竞争的影响  

Influence of Strategic Equity Investment and Branch Scale on Bank's Credit Competition

作　　者：徐振业[1] 邓光军[1] 曾勇[1] 

机构地区：[1]电子科技大学经济与管理学院,成都610054

出　　处：《技术经济》2014年第4期114-122,共9页Journal of Technology Economics

基　　金：国家自然科学基金资助项目"境外战略投资者在中资银行和外资银行在中国:理论与实证研究"(70872016)

摘　　要：以网点规模表征银行规模,从网点吸收存款以支撑贷款业务的角度构建有信贷资金约束的贷款竞争模型,研究外资银行入股对引资银行以及本地信贷竞争的影响。结果表明:只要外资银行改善引资银行的技术水平,贷款市场竞争就会加剧;大银行的市场份额较多,贷款市场竞争加剧对其利润的负面影响较大,大银行为避免这种影响不会过度参与竞争。最后指出,决策层应制定政策以引导优质外资银行入股本地小银行以促进贷款竞争。Using branch quantity to represent bank＇s scale,this paper constructs a credit competition model under credit fund constraint from the perspective that branches as bank＇s channels to absorb credit funds to support loan business,and studies the impacts of the equity investment of foreign banks on local banks and credit competition.The result shows as follows：when foreign banks improve local banks＇ technological levels,competition becomes fiercer,which has more negative impacts on the profits of big banks due to their relatively large market shares.In order to avoid these negative influences,big banks would not participate in competition excessively.Finally,it points out that policy-maker should make policies to induce superior foreign banks to cooperate with small banks in order to promote credit competition.

关 键 词：外资银行 网点规模 信贷竞争 资金约束 

分 类 号：F832.4[经济管理—金融学]