摘要
本文基于我国14家商业银行1996—2003年的面板数据,对外资银行进入对我国银行业产生的影响进行了理论和实证分析。结果表明:外资银行进入对我国银行的盈利能力产生了负面影响,对银行经营管理水平的提高有积极促进作用,与银行抗风险能力提升有较弱的正相关关系,对银行开展存贷款业务能力无显著关系。在此基础上,提出了简要的政策建议。
This paper analyzes the influence of foreign banks＇ entry into China＇s banking from theoretical and empirical perspectives, based on the panel data of 14 commercial banks of China during 1996-2003. The results show that the foreign banks＇ entry exerts a negative influence to the profit ability of civil banks, and exerts a positive influence to the managerial skill of civil banks, exerts a weak positive relationship to the anti-risk ability of civil banks, and has no remarkable relationship with the business of loans and deposits of civil banks. Some simple measures are proposed based on the results.
