外资银行进入对我国银行的影响及对策

范文编号:CW191  范文字数:20518,页数:24

外资银行进入对我国银行的影响及对策
 
 摘    要
 目前中国银行业正经历着最为重要的开放阶段，即处于加入WTO后的过渡期内，随着对外开放进程的推进，中外银行间竞争范围和程度将全面扩大与深化，国内银行为了在日益激烈的竞争环境中求生存、求发展，就必须构建基于效率的核心竞争能力。通过引入外国银行竞争来促进本国银行业效率提升是新兴市场国家银行业开放的普遍经验，也是中国银行业实现稳健发展长远目标的重要手段。近年来学术界越来越关注中国银行业对外开放与本国银行效率演变的影响关系，一些研究从竞争角度出发就中资银行效率改进问题进行了分析。但现有研究存在以下不足：大多数研究是总体描述性的，缺乏针对具体影响因素、机制和条件的深入分析；偏重定性分析和政策性分析，在经验分析或实证研究方面较为欠缺。本文从国际竞争角度出发，围绕影响中国银行业效率演变的两个核心因素——外国银行竞争压力和本国银行市场权力，通过对90年代中后期以来在华外国银行竞争强度、中国银行市场竞争结构、国内银行效率水平变化间的关系进行实证分析得到相关结论，并据此提出过渡期内中国银行业效率改革的政策建议。

[关键词]   外资银行；商业银行；金融市场；
[范文类型] 应用型

Paper title: Foreign bank entry on banking and countermeasures in China

Abstract
China's banking sector is currently experiencing the most important open stage, that is in a transitional period after WTO accession, with the advance of opening up the process, competition between foreign banks will be fully the scope and extent of broadening and deepening, for domestic banks in the increasingly fierce competitive environment, survival and development, we must build on the efficiency of core competitiveness. Competition through the introduction of foreign banks to promote its banking sector to enhance the efficiency of the banking sector in emerging market countries generally open to the experience, but also the healthy development of China's banking sector to achieve an important means of long-term goals. Growing concern in recent years academics and opening up China's banking sector efficiency and evolution of its relationship banks, some research from a competition point of view to improving the efficiency of Chinese banks are analyzed. But the lack of existing research of the following: Most of the studies is the general descriptive.The lack of specific factors, mechanisms and conditions of in-depth analysis; emphasis on qualitative analysis and policy analysis, empirical analysis or more a lack of empirical research. From the perspective of international competition, focusing on the evolution of the efficiency of China's banking sector two core factors - the pressure of foreign competition among banks and domestic banking market power in the late 90s through since the strength of Foreign Banks in the Chinese banking market competition structure , the efficiency of domestic banks, the level of the relationship between changes in the empirical analysis by the relevant conclusions, and made the transition period, reform of China's banking sector efficiency and policy recommendations.

[Keywords]      Foreign banks；Commercial Banks；Financial markets
[Type of thesis ]  Applied Research

目    录

1绪    论 1
1.1 问题的提出 1
1.2 国内外的研究现状 1
1.2.1 国际研究现状 1
1.2.2 国内研究现状 2
2外资银行进入的动机及途径 3
2.1 外资银行进入的动机 3
2.1.1 追随客户战略 3
2.1.2 东道国的盈利机会 4
2.1.3东道国监管规定 5
2.1.4 外资母银行自身因素 5
2.2 外资银行进入的途径 6
3 外资银行进入对我国金融业的影响 8
3.1 外资银行在我国的发展历程 8
3.1.1 起步阶段 8
3.1.2 扩张阶段 8
3.1.3收缩阶段 9
3.1.4发展新阶段 9
3.2 外资银行在我国的现状分析 9
3.3 外资银行进入对我国金融业的有利影响 11
3.4 外资银行进入对我国金融业的不有利影响 12
4 对外资银行的有效监管 13
4.1 对外资银行实施监管的涵义及意义 13
4.2 对外资银行的准入监管 13
4.3 对我国外资银行市场准入监管制度完善的建议 16
结束语 19
参考文献 20
致    谢 21

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