境外战略投资者能否促进中资银行非利息业务发展——基于多视角的研究

Do Foreign Strategic Investors Improve the Development of Non-interest Activities in Chinese Banks——A Multi-perspective Study

运用我国商业银行1995至2015年的数据分析境外战略投资者对非利息业务的影响。研究发现:首先,引进境外战略投资者促进非利息业务发展;而且引进境外战略投资者时间越长、境外战略投资者持股比例越大、境外战略投资者派遣董事或高管,对非利息业务影响越大。其次,境外战略投资者对佣金手续非业务有显著影响,而对交易业务的影响并不显著。最后,与非国有商业银行相比,境外战略投资者对非利息业务的影响在国有商业银行中更弱。

Using data from China’s commercial banks between 1995and 2015,we investigate the effect of foreign strategic investors on non-interest activities.The results show that:First,introducing foreign strategic investors promotes the development of non-interest activities.The longer time of introducing foreign strategic investors and bigger shareholding ratio of foreign strategic investors is,the stronger effect of foreign strategic investors on non-interest activities is.And sending directors of management by foreign strategic investors also leads to stronger effect on non-interest activities.Second,foreign strategic investors significantly impact commission and fee activities,but have no significant effect on trade activities.Finally,compared with non-state-owned commercial banks,the effect of foreign strategic investors on non-interest activities is weaker in state-owned commercial banks.