【摘要】 居民对中、外资金融机构的评价何者更高?什么因素影响了居民的比较评价结果?采用2006年中国9城市居民调查数据,我们发现,多数居民认为,中资金融机构在所设计的金融产品、与投资者的沟通、安全性和稳健性、经营的规范性、服务态度等方面都优于外资金融机构。考虑了居民对政府监管部门信任程度的内生性可能的回归结果显示:居民在选择中、外资金融机构时对收益水平的关注程度越高,或者居民对政府监管部门的信任程度越高,他们对中资金融机构的评价就越高。本文的政策含义在于:政府应该通过提高居民对监管部门的信任程度来为中、外资金融机构创造公平竞争环境,而中、外资金融机构应该通过开发高收益水平的金融产品来吸引更多的顾客。更多还原

【Abstract】 Comparing domestic financial institutions and foreign or joint venture ones in China,which ones do Chinese people give better assessment to?And what factors affect those comparative assessments?With a house- hold survey in nine cities in China in 2006,the paper finds most people think that China′s domestic financial institutions are better than foreign or joint venture ones in terms of financial products,communication with in- vestors,security and stability,operation normality,and services.Considering the endogeneity of people′s trust on government regulation agencies,empirical regressions show that the more attention the people pay to the re- turns,or to government regulation agencies,the higher evaluation the people give to the domestic financial in- stitution.The policy implications are:China′s government should create a fair competition environment for do- mestic and foreign or joint venture financial institutions by improving people′s trust on its regulation agencies, and both domestic and foreign or joint venture financial institutions should work hard to develop financial prod- ucts with high returns to attract more customers.更多还原