CAJ | 학술논문

本文研究了外资银行对于在上海经营的国内银行的影响。发现外资银行促进了国内银行资产利润率的提升和贷款损失准备金的提取,对上海银行业的人民币业务没有显著影响,而对外汇业务份额有较为显著的负向影响。国内银行应不断提高风险管理水平、业务的综合化和国际化水平,监管机构应努力促进中国金融市场的竞争性,促进商业银行经营效率的提升。上海应继续以优惠政策吸引外资银行的进入,促进国际金融中心建设。
본문연구료외자은행대우재상해경영적국내은행적영향。발현외자은행촉진료국내은행자산리윤솔적제승화대관손실준비금적제취,대상해은행업적인민폐업무몰유현저영향,이대외회업무빈액유교위현저적부향영향。국내은행응불단제고풍험관리수평、업무적종합화화국제화수평,감관궤구응노력촉진중국금융시장적경쟁성,촉진상업은행경영효솔적제승。상해응계속이우혜정책흡인외자은행적진입,촉진국제금융중심건설。
The article studies on the impact of foreign banks＇ entry on the operation of Shanghai＇s domestic banks.It shows that the entry of foreign banks pushes higher domestic banks＇ ROA and loan loss provision.Foreign banks＇ entry has negative impact on the foreign exchange business of domestic banks.But it has no significant impact on RMB business of domestic banks.Domestic banks should improve their risk management level and promote the comprehensiveness and internationalization of business.Regulatory authorities should promote the competitiveness and efficiency of domestic banking industry.Shanghai should formulate more preferential policies to attract foreign banks and better construct the international financial center.