金融开放对中国银行业绩效的影响研究

The Study on the Influence of Financial Openness to Chinese Commercial Banks Performance

文章以中国40家具有代表性的商业银行作为研究样本,从金融业开放对商业银行绩效影响的角度进行实证分析。结果发现,金融业开放对银行业绩效有正向的促进作用,但由于实际开放度远远不够,容易引起商业银行经营效率下降,导致法定金融开放度的促进作用大于事实开放度,并且金融开放对于国有银行经营绩效的促进作用要大于股份制商业银行和城商行。因此,应加快金融业开放进程,根据实际经济发展水平,提高事实开放度与官方承诺水平的协调性,同时要加强金融监管水平,防止发生系统性金融风险。

This paper takes 40 representative commercial banks in China as a research sample,and conducts an empirical analysis from the perspective of the impact of financial sector opening on the performance of commercial banks.The results show that the financial openness has a positive effect on the performance of the commercial banks.However,the actual openness is far from enough,it has caused a loss in the operating efficiency of commercial banks,the de jure of financial openness promotes more than de facto of financial openness,and the promotion of financial openness to the performance of state-owned banks is greater than that of joint-stock commercial banks and city commercial banks.Therefore,we should speed up the process of opening up the financial industry,and improve the coordination between the de jure of financial openness and the de facto of financial openness.At the same time,we must strengthen the level of financial supervision to prevent systemic financial risks.