外资银行进入对发展中国家银行信贷可得性的影响研究

Effect of Foreign Bank Entry on Credit Accession in the Developing Countries

如何引导外资银行增加东道国的信贷可得性,尤其是中小企业的信贷可得性,是目前理论和政策界争论的焦点问题之一。本文通过构建一个理论模型,分析了外资银行进入和国内信贷供给的关系,从市场均衡结果、社会福利、成本效率等几个角度对外资银行进入发展中的东道国的影响进行综合分析。模型结果表明,外资银行的进入并不必然增加一国的总体信贷水平、也并不必然提高东道国银行业的成本效率和整体社会福利,甚至在某些特定条件下,结果可能适得其反。

It is one of the hot topics among academicians and public policy makers to guide foreign banks to increase credit accession especially for SMEs in developing countries.This paper builds a theoretical model to analyze the relationship between foreign banks and domestic credit supply and the effects of foreign bank en- try from the viewpoint of market equilibrium,social welfare and cost efficiency.The model results indicate that it is not certain that the aggregate credit,cost efficiency and social welfare should increase with the process of foreign bank entry with a negative result for some parameters.Finally,we propose recommendations for China banking sector based on the findings.