中国企业存在“重数量轻质量”的创新陷阱,上游服务业外资开放程度相对较低。本文在Aghion et al.(2019)模型基础上,引入创新行为和银行业外资开放作为扩展,揭示了银行业外资开放影响下游企业创新行为的作用机理。基于1998—2013年中国...中国企业存在“重数量轻质量”的创新陷阱,上游服务业外资开放程度相对较低。本文在Aghion et al.(2019)模型基础上,引入创新行为和银行业外资开放作为扩展,揭示了银行业外资开放影响下游企业创新行为的作用机理。基于1998—2013年中国工业企业和专利匹配数据的实证结果表明:数量方面,银行业外资开放对企业创新具有显著正向作用,地域限制取消后专利申请增长率提升1.14个百分点,专利申请概率提升2.94个百分点;对发明专利和实用新型专利正向影响显著;对外观设计专利无明显影响。质量方面,银行业外资开放显著提升了专利被引量、专利通用性和原创性等指标,对中国企业“重数量轻质量”的创新陷阱破解效果明显。机制方面,银行业外资开放主要通过正向成本节约效应、贸易促进效应和负向行业内竞争效应影响下游企业创新,总效应与外资银行进入程度呈倒“U”型关系,样本期内仍处于正向效应区间。异质性方面,外资银行母国与中国文化和制度距离具有负向调节作用,生产率水平位于50%—75%分位数的中小企业和外部融资依赖度较大行业的正向效应更强。本文对扩大服务业外资开放破解中国企业创新陷阱、理解创新和开放发展理念的内在自洽性具有一定的参考价值。展开更多
With the rapid development and competition in bank business, Financial innovation appear constantly, private and foreign Banks are becoming the potential entrants. The original management, control and business mode al...With the rapid development and competition in bank business, Financial innovation appear constantly, private and foreign Banks are becoming the potential entrants. The original management, control and business mode already can not adapt to the new situation,it＇ s necessary to adopt the new development strategy to meet new opportunities and challenges. This article embarked from the analysis of macro environment and based on the pingxiang area characteristic analyzes the current situation of CCB pingxiang branch, puts forward some countermeasures to the implementation of the strategy of CCB pingxiang branch.展开更多
Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capita...Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capital management of commercial banks is only just beginning. Especially after the proposed Basel, how to adjust the capital assets of commercial banks is to enable them to comply with Basel II requirements, ensuring stability and development of the banking sector is the China Banking Regulatory Commission and the commercial banks. So, how intensive management can reduce capital occupation to increase the capital adequacy ratio is an important part of the commercial banks that must be studied.展开更多
文摘中国企业存在“重数量轻质量”的创新陷阱,上游服务业外资开放程度相对较低。本文在Aghion et al.(2019)模型基础上,引入创新行为和银行业外资开放作为扩展,揭示了银行业外资开放影响下游企业创新行为的作用机理。基于1998—2013年中国工业企业和专利匹配数据的实证结果表明:数量方面,银行业外资开放对企业创新具有显著正向作用,地域限制取消后专利申请增长率提升1.14个百分点,专利申请概率提升2.94个百分点;对发明专利和实用新型专利正向影响显著;对外观设计专利无明显影响。质量方面,银行业外资开放显著提升了专利被引量、专利通用性和原创性等指标,对中国企业“重数量轻质量”的创新陷阱破解效果明显。机制方面,银行业外资开放主要通过正向成本节约效应、贸易促进效应和负向行业内竞争效应影响下游企业创新,总效应与外资银行进入程度呈倒“U”型关系,样本期内仍处于正向效应区间。异质性方面,外资银行母国与中国文化和制度距离具有负向调节作用,生产率水平位于50%—75%分位数的中小企业和外部融资依赖度较大行业的正向效应更强。本文对扩大服务业外资开放破解中国企业创新陷阱、理解创新和开放发展理念的内在自洽性具有一定的参考价值。
文摘With the rapid development and competition in bank business, Financial innovation appear constantly, private and foreign Banks are becoming the potential entrants. The original management, control and business mode already can not adapt to the new situation,it＇ s necessary to adopt the new development strategy to meet new opportunities and challenges. This article embarked from the analysis of macro environment and based on the pingxiang area characteristic analyzes the current situation of CCB pingxiang branch, puts forward some countermeasures to the implementation of the strategy of CCB pingxiang branch.
文摘Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capital management of commercial banks is only just beginning. Especially after the proposed Basel, how to adjust the capital assets of commercial banks is to enable them to comply with Basel II requirements, ensuring stability and development of the banking sector is the China Banking Regulatory Commission and the commercial banks. So, how intensive management can reduce capital occupation to increase the capital adequacy ratio is an important part of the commercial banks that must be studied.
