外资银行进入对我国银行业效率影响的实证研究

Empirical Study on the Effect of Foreign Bank's Entry upon the Efficiency of Chinese Banking Industry

随着外资银行大规模地进入我国金融市场,它对我国银行业产生着越来越深远的影响。外资银行进入究竟对我国银行业产生了哪些影响?它影响了我国商业银行效率的哪些方面?长期以来,国内外理论界对此说法不一。本文通过选取2003—2008年我国银行业相关面板数据变量、用数学模型进行实证检验,并对实证结果进行研究分析。实证研究结果表明,外资银行的进入,从短期看,会对我国银行业部分效率指标有一定负相关影响,但部分效率指标也有呈正相关描述。从长远和整体来看,通过"市场竞争效应",加快银行内部机制改革,会对我国银行业的总体效率提升起到推动和促进作用。

With the fact that foreign banks enter China＇ s financial market on a large scale, it is producing more and more farreaching effects on China＇s banking industry. What effects have foreign banks brought on China＇ s banking industry？ Which aspects are China＇s commercial banks influenced in terms of efficiency？ Is it more beneficial than detrimental or more detrimental than beneficial？ For a long time, at home and abroad, the theory boundary has been in different versions to these questions. In this paper, we choose relevant panel data variables of China＇ s banking industry during 2003-2008 and compose empirical testing with mathematical model to analyze the empirical results. The empirical results show that the entry of foreign banks has different impacts on China＇ s banking industry according to the time length. In the short time, it may have a certain negative impact on part of China＇ s banking industry while some of the efficiency indicators also describe a positive correlation. For a long time and as a whole, it will promote and enhance the overall efficiency of China＇ s banking industry by the effect of market competition.