外资银行进入对我国银行业影响的实证研究

An Empirical Analysis of the Impact of Foreign Banks' Entry into Chinese Banking

本文通过选取1989—2005年的相关数据,运用计量经济学方法实证研究了外资银行进入对我国银行业产业绩效的影响。结果发现,外资银行进入与国内银行的税前利润和管理费用负相关,而与净利息收益和非贷款收益却正相关,且外资银行进入对股份制商业银行的冲击更大。由此我们应该在大力吸引外资银行进入的同时,注重配套改革特别是推进利率的市场化改革,大力鼓励股份制商业银行拓展业务范围,加快国有商业银行市场化改革和股份制改革进程。

Based on the related data from 1989 to 2005, this paper makes an empirical analysis of the impact of foreign banks＇ entry into Chinese banking by the econometrical method. It finds out that the entry of foreign banks is negatively related with the before tax profit and overhead of domestic banks, while positively with net interest margin and non-loan income, and has bigger impact on stock holding commercial banks. So four policy meaning can be obtained to face the entry of foreign banks.