外资银行对货币政策银行信贷传导渠道影响

Influence of Foreign Banks on the Monetary Policy Bank Credit Transfer Channel

本文通过对货币政策银行信贷渠道存在性、影响货币政策银行信贷渠道的因素和外资银行进入对中国银行业产生的影响进行研究。结果表明货币政策银行信贷渠道在我国货币政策传导中仍然发挥着重要怍用，影响货币政策传导的主要因素有银行集中度、银行业结构、银行业竞争度和银行规模。随着我国加深金融自由化和银行业对外开放，外资银行的进入促使我国银行业提高资本利用率，学习先进的经营管理技术和对新产品的开发力度。从而疏通我国货币政策传导渠道，提高货币政策传导效率。

This paper studies the existence of the credit channel of monetary policy banks, the factors in fluencing the credit channel of the monetary policy banks, and the impact of foreign bank entry on the Chinese banking industry. The results show that the monetary policy bank credit channels still play an important role in the transmission of monetary policy in China. The main factors influencing the transmission of monetary policy include bank concentration, banking structure, banking competition, and bank size. As China deepens financial liberalization and opening of the banking industry, the entry of foreign banks has prompted China＇s banking industry to increase capital utilization. Rate, learn advanced management techniques and development of new products, so as to clear China＇s monetary policy transmission channels and improve the efficiency of monetary policy transmission,