发展中国家内、外资银行信贷行为差异分析

众多发展中国家的金融改革实践表明，银行业开放的正负效应并不具有显著的国别一般性，特别是在信贷稳定性上，在东道国和外资银行母国经济运行的不同时期，外资银行与东道国国内银行的信贷行为可能存在较大的差异性，进而对东道国的经济金融稳定带来不同的影响。本文从全球范围内抽取了21个发展中国家（地区）和转轨国家中的400余家内、外资银行为样本，以其在2002～2010年间的相关数据构成面板数据集，来对内、外资银行在此期间的信贷行为差异进行检验。研究发现，外资银行的信贷行为确实与国内银行存在着差异性，主要表现在外资银行的信贷增长既表现出与东道国的经济增长显著正相关，又明显受到母国经济状况的影响；在经济正常的年份里，外资银行的信贷表现更多的取决于东道国的经济状况，而当外资银行母国发生经济危机时，却会对外资银行的信贷增长造成较大的负向冲击。

Foreign Banks and Credit Stability in the Developing Countries

Financial reforms in many developing countries show that positive and negative effects of banking openness are not significantly general,especially in terms of credit stability,credit behaviors of foreign and domestic banks.With panel dataset comprised data of over 400 banks from 21 economies through 2002-2010,we test the credit behavior otherness of domestic banks and foreign banks.Our analysis shows that the otherness exists indeed and mainly in the aspects as follows: there is a significant and positive relationship between host country economic growth and credit by foreign banks;during the years with normal economic performance,credit performance of foreign banks mainly depends on host country economic conditions,while in crisis periods of home country,the credit growth of foreign banks will suffer a greater negative impact.