外资银行进入对我国商业银行经营绩效影响实证研究.docVIP

本 科 毕 业 论 文 外资银行进入对我国商业银行经营绩效影响的实证研究 Empirical Study of Foreign Banks Entry on Chinese Banks’ Business Performance 学 院： 商学院 曹俐（副教授） 外资银行进入对我国商业银行经营绩效影响的实证研究 摘 要：随着我国银行业对外程度的不断扩大，外资银行在我国的营业机构数量、资产规模都不断增加，目前外资银行已经成为我国银行体系的重要组成部分。外资银行在中国已经有了一定的发展历史，也取得了一些成绩。外资银行的进入，对促进我国经济繁荣、完善我国的金融业起到了重要的作用。同时，中国的金融行业将形成更加激烈的竞争局面，中资银行必须加快自身的改革步伐，才能更好的应对激烈的竞争局面。本文结合我国现实状况，选取我国14家商业银行1997-2010年的面板数据，对外资银行进入对我国银行效率的影响进行实证研究和逐步回归分析。研究表明，我国的净利息收益率与外资银行的进入程度显著相关，而税前利润率和营业费用率与外资银行进入程度不显著相关或者相关性不明显。 关键词：外资银行；效率；影响 毕业论文外文摘要 Empirical Study of Foreign Banks Entry on Chinese Banks’ Business Performance Abstract: With the openness of China’s banking industry continues to expand, the number of foreign banks’ operating agencies and assets in China are constantly increasing, and now foreign banks have become an important part of the banking system. Then, the paper analyse the current situation of the foreign banks, and point out that there are some restriction impede the foreign banks move forward. Point out that the entry of foreign banks will bring pressure to the fragile banking system of China, and the local bank will face great challenge especially in competition of human resources, to improve the competitiveness of local banking industry are made.With the reality of our country, the paper chooses the panel data 1997-2010 of 14 commercial banks in China and makes empirical study and stepwise regression analysis of foreign banks entry on banking efficiency in our country. The results show that China’s net interest margin is significantly correlated to the entry of foreign banks, and the relevance between pre-tax profit margin, operating ratio and the entry of foreign banks is not remarkable. Keywords: Foreign banks; Efficiency; Affection  目 录 1 绪论 1 1.1 选题背景 1 1.2 研究意义 1 1.3 国内外研究的文献回顾 2 2 外资银行在我国的发展现状 4 2.1 外资银行在我国的设置及业务发展状况 4 2.2 外资银行在中国发展存在的主要问题 5 3 模型设定与变量选取 7 3.1 模型的建立 7 3.2 变量选取与数据