我国商业银行国际化经营动因研究

【作者】 陈孝光；

【导师】 袁乐平；

【作者基本信息】 中南大学 ， 金融学， 2010， 硕士

【摘要】 受2007年爆发的美国次贷危机的波及,欧美等发达国家银行国际化步伐明显放缓,国际化经营业务明显缩减,银行国际化经营的第三次浪潮俨然已终结。银行国际化经营的第四次浪潮值得期待。我国商业银行在国际化经营中的动因值得探索,研究我国商业银行国际化经营的动因对银行深入开展国际化经营具有重要意义。本文首先总结了已有的银行国际化经营动因理论,将其纳入比较优势的概念中系统进行梳理,然后从外生比较优势和内生比较优势两个维度多个方面去实证研究我国商业银行国际化经营的动因。外生比较优势和内生比较优势的实证结果较好的解释了银行国际化经营的部分动因,但是仍有部分我国银行国际化经营的实际情况无法得到很好的解释。接着,为解释实际情景中无法解释的情况本文在比较优势模型中嵌入中国情境,引入非市场因素来解释我国商业银行国际化经营的动因,得到了很好的解释。最后,在实证检验与分析的基础上总结我国商业银行国际化经营的动因机制,提出基于外生比较优势与内生比较优势的我国商业银行国际化经营的分阶段演进论。更多还原

【Abstract】 Affected extensively by the subprime debt crisis broken out in 2007, internationalization of banks in the west has been slowed down obviously, and international business sharply decreased. Therefore, the third wave of international marketing has been drawn to a close. When the forth is coming is expectable. To explode the causes to carry out international marketing of commercial banks of China is of great significance.This thesis summarizes some theories about motives of international marketing of banks, and sorts out them by equipping the comparative advantage, and then researches empirically motives in many aspects for international marketing of our commercial banks from both exogenous and endogenous comparative advantages.The empirical results explain the motives, but some actual situations can not be explained very well. In order to handle the problem, some non-market factors with Chinese characteristics are input into the model, and the problem is resolved perfectly.Finally, the thesis concludes the motive mechanism and puts forward a proposal to phase international marketing of our commercial banks to carry out based on exogenous and endogenous comparative advantages.更多还原