外资银行进入对我国商业银行效率的影响

Influence of the Entrance of Foreign Banks on China's Commercial Banks Efficiency

外资银行进入对东道国银行效率的影响备受关注。本文利用1999-2007年外资银行进入我国的资产与数量份额，以及我国14家商业银行的相关数据，通过面板数据模型分析了外资银行进入对我国商业银行收入效率和成本效率的影响，认为外资银行进入对我国商业银行收入效率与成本效率产生了正向影响，我国商业银行效率的提高缘于外资银行的进入、银行自身的因素及宏观经济形势的影响，应通过引进和借鉴外资银行的先进技术和管理经验，提升我国商业银行的整体竞争力。

Based on the data collected from 14 commercial banks from 1999 to 2007 and the share of the foreign banks in China, this paper analyses the potential effect of foreign banks on China＇s commercial banks in such aspects as income efficiency and cost efficiency through panel data model and multiple linear regression. It concludes that the foreign banks entrance has positive effect on income efficiency and cost efficiency of our commercial banks while some own factors and the macroeconomic situation have influence the commercial banks efficiency. Finally this paper presents countermeasures.