外资银行进入对上海银行业经营影响的实证研究

An Empirical Study on the Impact of Foreign Banks' Entry on Shanghai's Banking Industry

本文研究了外资银行对于在上海经营的国内银行的影响。发现外资银行促进了国内银行资产利润率的提升和贷款损失准备金的提取,对上海银行业的人民币业务没有显著影响,而对外汇业务份额有较为显著的负向影响。国内银行应不断提高风险管理水平、业务的综合化和国际化水平,监管机构应努力促进中国金融市场的竞争性,促进商业银行经营效率的提升。上海应继续以优惠政策吸引外资银行的进入,促进国际金融中心建设。

The article studies on the impact of foreign banks＇ entry on the operation of Shanghai＇s domestic banks.It shows that the entry of foreign banks pushes higher domestic banks＇ ROA and loan loss provision.Foreign banks＇ entry has negative impact on the foreign exchange business of domestic banks.But it has no significant impact on RMB business of domestic banks.Domestic banks should improve their risk management level and promote the comprehensiveness and internationalization of business.Regulatory authorities should promote the competitiveness and efficiency of domestic banking industry.Shanghai should formulate more preferential policies to attract foreign banks and better construct the international financial center.