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中外商业银行竞争合作关系的实证研究
引用本文:高劲,关艺锋.中外商业银行竞争合作关系的实证研究[J].技术经济与管理研究,2010(5):156-160.
作者姓名:高劲  关艺锋
作者单位:广西师范大学经济管理学院,广西,桂林,541004
摘    要:外资银行的大举进入中国市场给中资商业银行带来了学习机会,同时也带来了竞争压力。但双方各有其自身的优势,通过合作将会促进双方的发展进步,因此,加强中、外资银行的金融合作对于双方来说是一种必要的方式。根据1993~2006年的面板数据对银行盈利、经营管理和抗风险能力进行实证研究,发现外资银行进入导致了我国商业银行资产收益率、费用率下降,提高了中资商业银行高管的平均收入、并对第二大股东持股比例产生了显著影响。最后建议中国商业银行在与外资银行的合作中,能够妥善处理与战略投资者的利益平衡关系,但又要注意外资银行的持股比例问题;在竞争中能够借鉴外资银行的先进技术和经营管理理念,进行自身管理机制的完善和经营机制的转型,最终能够提升风险管理水平和核心竞争力。在和外资银行的竞争合作中,能实现自身的战略目标,促使其成为国际一流的商业银行。

关 键 词:中资商业银行  外资银行  竞合关系  面板数据  公司治理

The Empirical Research of Co-competition Relationship between Foreign Banks and Chinese Banks
GAO Jing,GUAN Yi-feng.The Empirical Research of Co-competition Relationship between Foreign Banks and Chinese Banks[J].Technoeconomics & Management Research,2010(5):156-160.
Authors:GAO Jing  GUAN Yi-feng
Institution:(Economics and Management School, Guangxi Normal University, Guilin Guangxi 541004, China)
Abstract:The entry of Foreign Banks to the Chinese banking market not only brings study opportunities but also imposes competition pressure to Chinese commercial Banks. Both groups of banks have their own advantages, and cooperation will promote development of both sides, therefore financial cooperation is necessary for both of them. Trough empirical research for bank profitability, operating and risk management ability, based on panel data from 1993 to 2006, we found that the entry of foreign Banks in the Chinese banking market decreases ROA and fees of Chinese banks, improves the average income of executives, and has significant influence on the second-largest shareholder's shareholdings. Finally, we recommend that Chinese commercial banks could properly handle interest relations with investors in the cooperation with foreign banks, but they also should pay attention to the shareholding ratio of foreign banks; Chinese commercial banks should draw on advanced technology and management concepts in the competition with foreign banks, to improve their management mechanisms and the transition of operating mechanisms, ultimately to enhance risk management and core competitiveness. And in the co-competition with foreign banks, can achieve their strategic goals, promoting them as world-class commercial banks.
Keywords:Chinese commercial banks  Foreign banks  Co-competition relationship  Panel Data  Corporate governance
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