外资银行进入对我国银行业市场结构的影响研究

【作者】 周悦；

【导师】 恢光平；

【作者基本信息】 南京理工大学 ， 产业经济学， 2009， 硕士

【摘要】 近年来,随着全球金融开放和金融服务贸易的发展,外资银行在东道国业务的拓展与进入程度的加深是世界各国银行体系普遍关注的问题。随着我国加入WTO并逐步实现五年承诺,中外资银行全面竞争的时代到来,研究外资银行进入对我国银行业市场结构的影响具有重要的理论和现实意义。本文首先通过对比外资银行及各类中资银行的经营性质和行为特征,将实证研究中所涉及的中资银行严格界定为与外资银行经营性质和业务范围相同的国有商业银行、股份制商业银行和城市商业银行三类。然后依据对我国银行业市场结构演进过程、现状分析以及在华外资银行的发展和现状的分析,推断外资银行进入对我国银行业市场结构产生的影响,具体主要表现在稀释我国银行业存款、贷款、利润市场集中度等方面。并基于1997至2007年加入WTO前后11年的相关银行时间序列数据,运用计量经济学方法构建了两个实证模型,分别考察外资银行进入对我国银行业存款市场集中度和贷款市场集中度的影响。得出了外资银行进入对我国银行业存款和贷款市场集中度均有负向作用但目前影响程度较小的实证结果,验证了外资银行的进入带来了市场竞争效应,在一定程度上起到了推动我国银行业市场化改革的作用。然而,随着时间推移,外资银行进入可能会使我国银行业客户结构发生深刻性变化,从而进一步降低存款和贷款市场集中度、抢夺中资银行的利润份额,对我国银行业市场结构产生深远的影响。更多还原

【Abstract】 In recent years, accompanied with the global finance opening and the development of financial service trade, it is a universal matter of concern in the world’s bank system that the foreign bank is extending and deepening its business in the host countries. Along with China’s joining the WTO and realizing the five years’ pledge gradually, the time which China banks and foreign banks fully compete with each other arrives. So it is important in both theory and practical meaning to do research on the influence to our Banking industry market’s structure of the entry to the foreign banks.This paper first contrast the management character and characteristic of foreign banks with various kinds of China banks, and restrict and divide the China bank which is referred in demonstration and completely the same with the foreign bank in the management character and business scope into state-owned Commercial bank, the joint stock system bank and the city Commercial bank three kinds. Then we deduce the influence of the foreign bank’s entry to our bank industry system’s structure based on the analysis of our bank industry’s transformation process, the present situation as well as the foreign bank’s development in China and the present situation. It mainly displays on diluting our bank industry’s deposit, loan and profit market concentration ratio and so on. And based on the 11 years’ related bank panel data from 1997 to 2007, we set up two empirical models using the econometrics method, seeing about the influence to our country banking industry’s deposit market concentration ratio separately. And make a conclusion that the foreign bank’s entry does a negative function to our banking industry but the influence is very little by now. It also verifies the foreign bank’s entry brings competition effect which plays a role of impelling our bank industry market’s reform to some extent. However, as time goes by, it may change the structure of our bank industry clients a lot because of the entry of the foreign bank, thereby reduce the concentration ratio of deposit and loan market. It will have profound influence to our banking industry market structure.更多还原