The Impacts Of Foreign Banks Entry On The Efficiency Of Domestic Banking In China

The foreign bank enters China having already walked 20 courses many years, with development of whose part, and the banking being affecting in the homeland more and more deep having occupied Chinese financial market gradually in the aspect advantage such as scale, system, product, financial affairs strength and international network.Foreign bank's entry advantageous also has the shortcoming to the host country. On our country's actual situation, on the one hand, the Foreign bank enters is advantageous to the promotion internal commerce bank system reform, raises our country Commercial bank's managerial and administrative expertise, speeds up our country's financial innovation, is advantageous in our country Commercial bank's internationalization development. On the other hand, compares with the Chinese-funded bank, foreign bank's strength is more abundant, in aspects and so on management and operation, property quality, human resources and product innovation ability holds the overwhelming superiority. The Foreign bank enters causes Our country Internal commerce Bank faced with a more stern challenge and the huge pressure, simultaneously, domestic bank's robustness obtains the challenge.The general situation the main body of a book has been introduced first having analyzed a foreign bank after home and abroad research current situation, entering development of our country queen, develops tactics , enters cause and the effect to our country banking. Then I use state-owned 4 in the homeland commercial banks 1994 one interest incomes rate in 2005, are not that the interest income rate, services with main 10 stock system commercial banks cost rate, provisions of bad debt rates and pretax profit rate cross section data, the foreign bank enters condition and with result and the contrast studying the conclusion is in progress abroad carrying out line font regression analysis. The conclusion reaching is that foreign bank entrance has certain degree facade effect to our country commercial bank business efficiency, but effect that the person affects very limited. Besides, our country stock system commercial bank becomes a foreign bank entering the marriage partner that the queen is pounded mainly, what state-owned commercial bank is affected is not notable but. Pass the summary to the paper finally, give suggestion except policy.