国际资本引入对商业银行效率影响的实证研究

An Empirical Study on the Effects of Introducing Foreign Capitals into Domestic Commercial Banks

引入国际战略投资者是国内商业银行提高自身竞争力的有效途径之一。本文首先对引入国际资本后可能产生的各项效应进行分析,继而运用数据包络分析(DEA)方法对引入国际战略投资者前后各商业银行的效率进行了测度,说明其变化情况;并以可能造成效率变化的因素为自变量,银行效率为因变量建立线形回归模型,发现资本充足率高低对银行效率并无直接影响,但产权结构与银行效率显著相关。最后给出相关政策建议。

Cooperation with foreign strategic investors is one of the most effective ways for china＇s commercial banks to increase their efficiency. This paper analyzes the possible effects of introducing foreign capitals into domestic commercial banks and by utilizing the Data Analysis Envelopment method it measures the efficiency of individual banks both before and after the entry of foreign capitals. Using possible causes for the banks＇ efficiency changes as independents variables, a linear regression model is built. The result shows that the rate of capital sufficiency has no direct impact on the banks＂ performances while the structure of property is closely related to them. In the end, some suggestions are given based on the practical analysis results.