外资银行进入对我国商业银行资产业务影响的实证研究——基于商业银行2000—2017年面板数据的随机效应模型分析

Empirical Study of the Influence that Foreign Banks may Bring to the Assets Business of Chinese Commercial Banks——Based on the Panel Data of Commercial Banks during 2000-2017 and Analyzed with the Random Effects Model

实证研究表明,外资银行进入对我国商业银行资产业务的影响呈“倒U型”曲线,即先是正面的积极影响,达到峰值后产生负面的消极影响,且大型国有商业银行比股份制商业银行更早受到负面冲击。对此,我国应继续在金融领域扩大对外开放,深化大型国有商业银行改革;我国商业银行应广泛吸纳高质量金融人才,提升资产业务的产品创新水平,从而打造自身的核心竞争力。

Empirical study shows that the influence that foreign banks,after their entry in China,bring to assets business of Chinese commercial banks represents the shape of“U”being reverted,namely,at first the influence is positive until reaching the peak point,and then the negative influence begins to appear and aggravate. Large state-owned commercial banks may endure the negative impact earlier than joint-stock commercial banks. Therefore,we should continue to open wider to the outside world in the financial field,and deepen the reform of large state-owned commercial banks.Chinese commercial banks should receive widely the financial talents with high quality,improve the innovative level of the products of asset business,and forge their own core competitiveness.