外资银行进入中国与银行业净利差变化  

Foreign-Funded Banks Entering China and Changes in Bank's Net Interest Margin

作　　者：隋聪[1] 李恒 

机构地区：[1]东北财经大学金融学院 [2]齐鲁银行聊城分行

出　　处：《金融论坛》2014年第5期30-37,共8页Finance Forum

基　　金：教育部人文社会科学研究青年基金项目(11YJC790157);辽宁省教育厅科研项目(W2011108);辽宁省社会科学规划基金项目(L11BJY010)

摘　　要：本文利用2003～2010年间在中国开展业务的本土银行和外资银行样本数据,实证分析外资银行进入对中国银行业的影响。在模型设计中,本文引入3个虚拟变量,分别研究外资银行进入前后中国银行业净利差变化、本土银行与外资银行净利差表现差异、参股投资与直接投资的外资银行净利差表现差异。通过研究发现：由于利率管制和市场份额有限,外资银行进入并未体现出竞争效应;在中国市场环境下,外资银行的技术优势并不明显,相反劣势更加突出;参股投资的外资银行仅利用资本的投入就能通过本土银行网点、客户方面的优势分享收益。Based on the data of China＇s native banks and foreign-funded banks that operate in China during 2003-2010, this paper presents an empirical analysis of the impacts of foreign-funded banks entering China on China＇s banking sector. The paper introduces three dummy variables into the model to analyse the changes in net interest margin of China＇s banking sector due to the foreign-funded banks entering China, the difference of the changes between native banks and foreign-funded banks, the difference of the changes between foreign-funded banks with equity investment and banks with direct investment. It＇s found that, due to interest rate control and limited market share, the entry of foreign-funded banks does not results in competitive effects; in China＇s market, foreign-funded banks haven＇t shown their technological advantages obviously, but their disadvantages are more obvious; foreign-funded banks with equity investment can make use of the advantages of native banks in outlets and customers to share profits only by capital investment.

关 键 词：外资银行 中国银行业 净利差 贷款定价 参股投资 直接投资 

分 类 号：F831.2[经济管理—金融学] F832.3