外资银行进入对中国银行业稳定性的影响 = A Study on the Stability and Foreign Bank in the Chinese Banking Industry

다국어 초록 (Multilingual Abstract)

Since December 2001,China's accession to the WTO has in the past 15 years, the Chinese government commitment five years China's financial market will gradually opening up, and in accordance with relevant WTO agreement will phase out to Foreign Banks operating region and the limitation of the scope of business. On December 11, 2006, the Chinese government to fulfill a commitment, after China's banking industry comprehensive opening to the outside world, most of the original business scope for Foreign Banks operating region and limitations were phased out, the speed of Foreign Banks into China's financial market has quickened significantly, at the same time, Foreign Banks through equity and merger and acquisition of Chinese bank shares. After the baptism of the global financial crisis in 2008, many Foreign Banks have taken place in consolidation, pattern has changed a lot, so, impact on the stability of China's banking sector will also have change. Then, with the foreign Banks to enter, study foreign Banks to enter the Chinese banking sector stability will produce what kind of impact is particularly important. This paper selects the 2000-2013 China 13 representative five state-owned commercial Banks and eight joint-stock commercial Banks of panel data to empirical analysis, panel data model is set up, to Foreign Banks entering make an empirical analysis of the impact on China's banking sector stability. From the empirical analysis results, Foreign Banks entering has a positive influence on the stability of China's banking sector, the stability of China's banking sector are not under shock and become fragile, but has increased. Although, Foreign Banks enter the impact on state-owned commercial Banks and joint-stock commercial Banks are different, but overall basic promoted the improvement of China's banking sector stability.

다국어 초록 (Multilingual Abstract)

从2001年12月起至今，中国加入WTO已经过去15年之久，中国政府承若5年内将逐步 对外开放中国的金融市场，并根据WTO的有关协议将逐步取消对外资银行经营地域和业务 范围等方面的限制。2006年12月11日，中国政府履行了承若，中国银行业全面对外开放以 后，原有大部分对外资银行经营地域和业务范围等方面的限制均被逐步取消，外资银行进入 中国金融市场的速度明显加快，同时，外资银行通过参股和并购中资银行股份。在经历过 2008年全球金融危机的洗礼后，许多外资银行发生了合并重组，格局有了很大的变化，因 此，对中国银行业稳定性的影响也会有变化。那么随着外资银行的不断进入，研究外资银行 进入对中国银行业稳定性会产生怎样的影响就显得尤为重要。本文选取了2000-2013年间 中国13家具有代表性的5家国有商业银行和8家股份制商业银行的面板数据进行了实证分析， 建立面板数据模型，对外资银行进入对中国银行业稳定性的影响进行了实证分析。从实证分 析结果来看，外资银行进入对中国银行业的稳定性是具有正面影响的，中国银行业的稳定性 并没有受到冲击而变得脆弱，反而还有所增强。虽然，外资银行进入对国有商业银行和股份 制商业银行的影响不同，但总体上基本促进了中国银行业稳定性的改善。

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