外資銀行進入對我國銀行的影響及對策

論文編號:CW191  論文字數(shù):20518,頁數(shù):24

外資銀行進入對我國銀行的影響及對策
 
 摘    要
 目前中國銀行業(yè)正經(jīng)歷著最為重要的開放階段，即處于加入WTO后的過渡期內(nèi)，隨著對外開放進程的推進，中外銀行間競爭范圍和程度將全面擴大與深化，國內(nèi)銀行為了在日益激烈的競爭環(huán)境中求生存、求發(fā)展，就必須構(gòu)建基于效率的核心競爭能力。通過引入外國銀行競爭來促進本國銀行業(yè)效率提升是新興市場國家銀行業(yè)開放的普遍經(jīng)驗，也是中國銀行業(yè)實現(xiàn)穩(wěn)健發(fā)展長遠目標的重要手段。近年來學術(shù)界越來越關(guān)注中國銀行業(yè)對外開放與本國銀行效率演變的影響關(guān)系，一些研究從競爭角度出發(fā)就中資銀行效率改進問題進行了分析。但現(xiàn)有研究存在以下不足：大多數(shù)研究是總體描述性的，缺乏針對具體影響因素、機制和條件的深入分析；偏重定性分析和政策性分析，在經(jīng)驗分析或?qū)嵶C研究方面較為欠缺。本文從國際競爭角度出發(fā)，圍繞影響中國銀行業(yè)效率演變的兩個核心因素——外國銀行競爭壓力和本國銀行市場權(quán)力，通過對90年代中后期以來在華外國銀行競爭強度、中國銀行市場競爭結(jié)構(gòu)、國內(nèi)銀行效率水平變化間的關(guān)系進行實證分析得到相關(guān)結(jié)論，并據(jù)此提出過渡期內(nèi)中國銀行業(yè)效率改革的政策建議。

[關(guān)鍵詞]   外資銀行；商業(yè)銀行；金融市場；
[論文類型] 應用型

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    錄

1緒    論 1
1.1 問題的提出 1
1.2 國內(nèi)外的研究現(xiàn)狀 1
1.2.1 國際研究現(xiàn)狀 1
1.2.2 國內(nèi)研究現(xiàn)狀 2
2外資銀行進入的動機及途徑 3
2.1 外資銀行進入的動機 3
2.1.1 追隨客戶戰(zhàn)略 3
2.1.2 東道國的盈利機會 4
2.1.3東道國監(jiān)管規(guī)定 5
2.1.4 外資母銀行自身因素 5
2.2 外資銀行進入的途徑 6
3 外資銀行進入對我國金融業(yè)的影響 8
3.1 外資銀行在我國的發(fā)展歷程 8
3.1.1 起步階段 8
3.1.2 擴張階段 8
3.1.3收縮階段 9
3.1.4發(fā)展新階段 9
3.2 外資銀行在我國的現(xiàn)狀分析 9
3.3 外資銀行進入對我國金融業(yè)的有利影響 11
3.4 外資銀行進入對我國金融業(yè)的不有利影響 12
4 對外資銀行的有效監(jiān)管 13
4.1 對外資銀行實施監(jiān)管的涵義及意義 13
4.2 對外資銀行的準入監(jiān)管 13
4.3 對我國外資銀行市場準入監(jiān)管制度完善的建議 16
結(jié)束語 19
參考文獻 20
致    謝 21