我国中、外资银行经营绩效比较分析——基于利率市场化视角

Comparative Analysis of the Operating Performance of Chinese Banks and Foreign Banks in China——Based on the Interest Rate Liberalization

本文选取了2007—2013年间在华经营的16家中资上市银行和10家外资法人银行的样本数据,采用面板数据的个体固定效应模型,对各自的经营绩效进行了实证研究。研究结果表明:从整体看,中资上市银行的经营绩效高于外资法人银行。现阶段在华经营的中资、外资银行仍然依靠存贷款净利差来提高其经营绩效,但是中间业务收入对外资银行绩效的影响大于对中资银行的影响,说明在利率市场化进程中,外资银行能更好地应对激烈的市场竞争和利率市场化带来的利差收窄的冲击。

The paper select sample data of 16 Chinese listed banks and 10 foreign banks operated in China from 2007 to 2013, and use the panel data model to analyze the operating performance of the banks, respectively. The re-sults show that, the operating performance of Chinese listed banks is better than that of foreign banks. Chinese banks and foreign banks operated in China still rely on the net interest margin to improve their performance at present. But from the aspect of the intermediate business income,the performance of foreign banks is better than that of the Chinese listed banks. This conclusion shows that in the process of the interest rate liberalization,foreign banks are able to cope with the fierce competition and the impact of the narrowing interest rate better than Chinese banks.