外资银行进入对中国商业银行发展中间业务影响的实证研究  

Empirical Study on The Affection of Foreign Banks' Entering on Chinese Commercial Bank's Intermediary Business

作　　者：王珮珺[1] 周妙燕[2] 张锦程[3] 

机构地区：[1]华中科技大学经济学院,湖北武汉430074 [2]中国人民银行金华市中心支行,浙江金华321015 [3]中国人民银行武义县支行,浙江武义321299

出　　处：《浙江金融》2016年第1期54-60,共7页Zhejiang Finance

摘　　要：随着外资银行在中国金融市场的参与程度不断加深,国内商业银行发展中间业务的环境发生重大变化。本文通过现实数据建立实证模型,分别分析外资银行对中国不同类型商业银行中间业务发展的影响。结论是外资银行的进入促进了中国商业银行在中间业务方面的竞争程度,且其进入程度与银行业的市场竞争度是类似倒U型的关系。此外,外资银行对国内不同类型商业银行中间业务的经营效率的影响也有显著不同。本文的创新点就在于,立足于银行业务的特定领域而非全部,同时考虑银行业的整体性和不同类型银行间的异质性,并提出切实有效的建议。As the foreign banks get into China, the external competitive environment for Chinese commercial bankschanges greatly. The article builds models to see how the entry of foreign banks affects the Chinese banks＇ intermediarybusiness. What＇s more, whether the operating efficiency of domestic intermediary business has changed should also be dis-cussed here. The conclusion is that the intermediary business income changes significantly and the relationship betweenentry of foreign banks and the competition situation in Chinese bank industry describes an inverse U shape. Also, the oper-ating efficiency of domestic intermediary business of different types of banks has improved differently. The innovativepoints of the article are using realistic data to demonstrate the conclusions and taking both integrity and heterogeneity intoconsideration.

关 键 词：外资银行 中间业务 实证研究 

分 类 号：F832[经济管理—金融学]