摘要
本文采用Claessens、Demirguc-Kunt和Huizinga(2001)计量模型,选取我国具有代表性的15家银行1997—2004年的面板数据,利用以往研究未曾采用的固定效应的变系数估计方法,就外资银行进入对我国银行业的影响进行了实证分析。结果表明,外资银行的进入对我国银行业的影响已初步显现,并且具有不一致的特点。外资银行的进入正逐步推动着我国银行业整体结构由寡头垄断转变为垄断竞争,"鲶鱼效应"开始发挥作用。文章最后相应给出了我国应对外资银行进入的对策建议。
The econometric model of Claessens, Demirguc- Kunt and Huizinga （2001）, withthe data of 15 leading banks in China from 1997 to 2004, is applied to analyze the effects of foreign banks＇ entry on domestic banking in China by using fixed effect unrestricted model which has not been used in the past research. The estimation results suggest that effects of foreign banks＇ entry have worked and the degrees of effects are different from varied banks. This phenomenon demonstrate that foreign banks＇ entry have effects on turning Chinese banking structure from oligopoly to monopolistic competition, so the Catfish Effect worked. Therefore, this paper put forward some policy recommendations in the all - round competition from foreign banks.
出处
《财经科学》
CSSCI
北大核心
2007年第10期31-38,共8页
Finance & Economics
关键词
外资银行
鲶鱼效应
结构调整
foreign bank
catfish effects
structure adjustment
