文档介绍：外资银行进入对中国银行业的影响及其对策分析
南京财经大学硕士学位论文外资银行进入对中国银行业的影响及其对策分析姓名:马慧敏申请学位级别:硕士专业:金融学指导教师:尹敬东2008-01-13
摘要我国自改革开放以来,经济发展举世瞩目,尤其是加入WTO后,政府逐步放松对金融业的管制,使得我国金融市场成为外资银行关注的焦点。2006年底我国已经向外资完全开放银行业市场,这意味着外资银行在我国经营将没有任何地域、业务和客户的限制,外资银行的进入将对我国银行业形成严峻的挑战,并将对我国的金融和经济产生重大而深远的影响。因此,研究外资银行进入对我国银行业的影响,探讨应对策略,为银行发展战略和国家金融政策的制定提供决策依据,具有重要的现实意义和理论价值。本文首先分析了外资银行进入我国的动机以及外资银行在我国发展的现状,接下来采用SWOT分析法比较了中外资银行的优劣势。其次将重点考察外资银行进入对我国银行业的影响,在这部分中,作者将从三个方面来研究外资银行的影响程度:外资银行进入对我国银行5>业绩效的影响,对我国国内信贷的影响以及对我国银行体系稳定性的影响。这三方面主要通过实证分析进行研究,都对经验数据进行了取证,分析得出相应的结果。最后在分析我国银行业的战略对策时,将我国的商业银行分为三种类型:市场主导性、市场挑战型、市场追随型,并根据各自不同的特点提出了不同的战略措施,这样使得本文更加具有针对性和时效性。论文研究主要运用定性3>与定量分析相结合的方法,对外资银行进入对我国的影响进行了深入的分析。通过定性分析可以看出外资银行对中国银行业产生的正面效应和负面效应,定量分析可以看出外资银行进入对中国银行业在哪些方面产生了影响,影响的程度如何,最终期望能为外资银行全面进入后的我国银行业的发展提供有益的参考。关键词: 外资银行;商业银行;核心竞争力;战略对策 I
ABSTRACT Since the policy of reforming and opening , the economy of our country has growed so fast that it made China has been paid more and more attentions by foreign banks, especially with the soft ary policy when China joined into WTO. At the end of 2006, the banking market totally opened to the foreign institutions, which means that foreign banks will have no restriction of region, business and customer in the future. Foreign banks bring with petitive pressure to local banks when they enter our banking market, which will have an impact on finance and economy of our country. So, studying the influence on local banking system, searching for the solutions,and giving consults on the development strategy of the banks are meaningful for both realistic and theoretical study. The reason of foreign banks entering our country and the current station of foreign banks in China will be introduced first. Then the writer pare the advantages and inadvantages of domestic banks with foreign banks in the method of SWOT. Second, the thesis will focus on analyzing how can foreign banks do impact on the domestic banking industry. In this part, the writer will analyze the problem from three aspects: effect on eff