摘要
随着中国金融市场的逐步开放，外资银行的进入对中国商业银行的竞争格局产生了深远影响。本研究旨在探讨外资银行进入对中国商业银行竞争行为的影响，基于产业组织理论和博弈论构建分析框架，采用2001 - 2020年中国银行业面板数据，运用固定效应模型、随机前沿分析等计量方法进行实证检验。研究发现，外资银行的进入显著加剧了中国银行业的市场竞争程度，促使国内商业银行优化业务结构，提高经营效率和服务质量；同时，外资银行的示范效应促使国内银行加强风险管理与内部控制。此外，不同规模和类型的商业银行对竞争压力的反应存在差异，大型银行凭借规模优势更具竞争力，而中小银行则通过差异化服务寻求发展空间。本研究创新性地将外资银行进入强度量化为综合指标，并首次引入动态面板数据分析长期影响机制，丰富了银行业竞争理论，为监管部门制定政策提供了科学依据，有助于推动中国银行业在开放环境下的健康发展。
关键词：外资银行进入；中国商业银行；市场竞争；经营效率；风险管理
Abstract
As China's financial market gradually opens up, the entry of foreign banks has profoundly influenced the competitive landscape of Chinese commercial banks. This study investigates the impact of foreign bank entry on the competitive behavior of Chinese commercial banks by constructing an analytical fr amework based on industrial organization theory and game theory. Utilizing panel data from China’s banking sector spanning 2001 to 2020, this research employs econometric methods such as fixed effects models and stochastic frontier analysis for empirical testing. The findings indicate that the entry of foreign banks has significantly intensified competition within China’s banking industry, prompting domestic commercial banks to optimize their business structures, enhance operational efficiency and service quality. Additionally, the demonstrative effect of foreign banks has encouraged domestic banks to strengthen risk management and internal controls. Furthermore, the responses to competitive pressures vary among banks of different sizes and types; large banks leverage their scale advantages to remain competitive, while smaller and medium-sized banks seek development opportunities through differentiated services. Innovatively, this study quantifies the intensity of foreign bank entry into a composite index and introduces dynamic panel data analysis to explore long-term impact mechanisms for the first time, thereby enriching the theoretical fr amework of banking competition and providing a scientific basis for regulatory policy formulation, which contributes to the healthy development of China’s banking sector in an open environment.
Keywords：Foreign Bank Entry; Chinese Commercial Banks; Market Competition; Operating Efficiency; Risk Management
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状 1
(三) 研究方法与技术路线 2
二、外资银行进入的市场影响 2
(一) 市场竞争格局变化 2
(二) 商业银行业务结构调整 3
(三) 风险管理能力提升需求 4
三、中国商业银行的竞争策略调整 4
(一) 产品与服务创新应对 5
(二) 客户关系管理优化 5
(三) 运营效率改进措施 6
四、政策环境与监管响应 7
(一) 监管政策演变分析 7
(二) 合规成本对银行的影响 7
(三) 金融开放背景下监管协调 8
结 论 10
参考文献 11
随着中国金融市场的逐步开放，外资银行的进入对中国商业银行的竞争格局产生了深远影响。本研究旨在探讨外资银行进入对中国商业银行竞争行为的影响，基于产业组织理论和博弈论构建分析框架，采用2001 - 2020年中国银行业面板数据，运用固定效应模型、随机前沿分析等计量方法进行实证检验。研究发现，外资银行的进入显著加剧了中国银行业的市场竞争程度，促使国内商业银行优化业务结构，提高经营效率和服务质量；同时，外资银行的示范效应促使国内银行加强风险管理与内部控制。此外，不同规模和类型的商业银行对竞争压力的反应存在差异，大型银行凭借规模优势更具竞争力，而中小银行则通过差异化服务寻求发展空间。本研究创新性地将外资银行进入强度量化为综合指标，并首次引入动态面板数据分析长期影响机制，丰富了银行业竞争理论，为监管部门制定政策提供了科学依据，有助于推动中国银行业在开放环境下的健康发展。
关键词：外资银行进入；中国商业银行；市场竞争；经营效率；风险管理
Abstract
As China's financial market gradually opens up, the entry of foreign banks has profoundly influenced the competitive landscape of Chinese commercial banks. This study investigates the impact of foreign bank entry on the competitive behavior of Chinese commercial banks by constructing an analytical fr amework based on industrial organization theory and game theory. Utilizing panel data from China’s banking sector spanning 2001 to 2020, this research employs econometric methods such as fixed effects models and stochastic frontier analysis for empirical testing. The findings indicate that the entry of foreign banks has significantly intensified competition within China’s banking industry, prompting domestic commercial banks to optimize their business structures, enhance operational efficiency and service quality. Additionally, the demonstrative effect of foreign banks has encouraged domestic banks to strengthen risk management and internal controls. Furthermore, the responses to competitive pressures vary among banks of different sizes and types; large banks leverage their scale advantages to remain competitive, while smaller and medium-sized banks seek development opportunities through differentiated services. Innovatively, this study quantifies the intensity of foreign bank entry into a composite index and introduces dynamic panel data analysis to explore long-term impact mechanisms for the first time, thereby enriching the theoretical fr amework of banking competition and providing a scientific basis for regulatory policy formulation, which contributes to the healthy development of China’s banking sector in an open environment.
Keywords：Foreign Bank Entry; Chinese Commercial Banks; Market Competition; Operating Efficiency; Risk Management
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状 1
(三) 研究方法与技术路线 2
二、外资银行进入的市场影响 2
(一) 市场竞争格局变化 2
(二) 商业银行业务结构调整 3
(三) 风险管理能力提升需求 4
三、中国商业银行的竞争策略调整 4
(一) 产品与服务创新应对 5
(二) 客户关系管理优化 5
(三) 运营效率改进措施 6
四、政策环境与监管响应 7
(一) 监管政策演变分析 7
(二) 合规成本对银行的影响 7
(三) 金融开放背景下监管协调 8
结 论 10
参考文献 11
