文档介绍：华中科技大学
硕士学位论文
境外金融机构参股对中国银行业经营效率的影响
姓名:谭丹
申请学位级别:硕士
专业:世界经济
指导教师:邱慧芳
2010-05
华中科技大学硕士学位论文
摘要
本文将首先回顾 30 余年的银行业开放历程,从境外金融机构进入的四个阶段
的不同特点和发展趋势,发现其在营业性机构数量增长逐渐放缓的对比之下,参股
国内银行业的动作愈来愈频繁,而且投资总金额也在不断增大,特别是中国加入世
贸组织之后。在对中境外金融机构相互选择的原因分析中,发现外资参股国内银行
主要是受营业网点规模不足的限制,而国内银行业在产权制度改革上仅靠国内的力
量是不足的,因此双方合作在理论上是一个双赢的结果。
在仔细研究了国内外相关文献的基础上,发现大多数文献都是以外资占整个国
家银行业的份额作为研究对象,基于中国银行业现有的特点,最后选定了各个银行
中境外金融机构所拥有的股份比例来衡量其渗透程度。选取了 13 家上市银行以外
资参股为基年前后共七年的数据作为分析样本,根据国际上现有的评价商业银行经
营效率的指标体系,决定从银行资产安全性、银行资产盈利能力和银行管理水平三
个方面进行研究。在外资持股比在对资产负债率、息税前利润率、净利差和费用率
的回归分析中发现,外资持股比对资产负债率和费用率具有负向作用,对息税前利
润率和净利差和费用率的影响很小,结果不显著。最后针对回归结果,从完善国内
银行公司结构、加深利率市场化、完善客户关系管理和实现产品多元化四个方面提
出相应的建议。

关键词:境外金融机构参股经营效率

I
华中科技大学硕士学位论文
Abstract
This dissertation first reviews the process of opening up of banking industry over 30
years, from the four stages of foreign capital into China with different characteristics and
trends, gets that the number of foreign institutions in the business growth has been
slowing gradually, however, in contrast, the equity participation of foreign capital in the
domestic banking industry has been ing more and more frequent, and the total
amount of investment has also been growing, especially after China e a member of
WTO. Analyzing on the causes of mutual choice between domestic and foreign financial
institutions, we found that domestic banks with foreign shares was mainly affected by
restrictions on insufficient scale of outlets, while it is inadequate that the property rights
system reform of domestic banking is just by means of domestic power. Therefore,
cooperation is a win-win result in theory.
On the basis of careful consideration of the relevant literature, finding that most of
the documents take the foreign capital share of the total national banking as research
objects. Based on the existing features of China's banking sector, this dissertation adopts
the proportion of shares held by the offshore financial institutio