外资银行进入对信贷资源配置的影响——以新欧盟成员国为例

On Foreign Banks and their Impact on Distribution of Credits: Case Study on EC's New Members

本文从信贷规模、信贷结构变化两方面分析了外资银行进入新欧盟成员国后,大大提高了东道国的信贷资源供给,使得东道国信贷规模扩大;随着外资银行对东道国渗透程度的增加,其业务重点将逐渐从对优质客户资源的争夺转为向中小企业拓展信贷业务。随着信贷评估制度和技术的改善,家庭部门信贷比例也不断上升。外资银行进入对提高东道国信贷资源配置效率有着重大意义。

In recent years, private sector credit has gone through rapid expansion in transition Europe. Meanwhile, foreign bank participation has risen significantly in these countries. This paper focuses on analyzing whether foreign bank participation is one of the main reasons in this credit boom, and how it affects host countriesi^- loan structure. Our conclusion suggests that foreign banks play an important role in increasing credit supply, improving credit structure and enhancing the overall banking system efficiency.