【作者】 王晓东；

【导师】 唐以今；

【作者基本信息】 天津财经大学 ， 金融学， 2008， 硕士

【摘要】 加入WTO后,随着中国银行业的不断开放,外资参股中资银行的步伐不断加快。引入外资股东,加强与国际银行业间的合作,已经成为中资银行制度创新的关键环节,是中资银行重要的战略选择。中国入世后加大了银行业的对外开放力度,近年来已有数家外资金融机构参股了中资银行,其参股对象除了三家国有商业银行外,大部分是股份制商业银行。外资银行在我国银行业中的参与程度不断加深,与股份制商业银行的合作越发紧密,其与我国银行业乃至股份制商业银行的经营管理、盈利水平的相关程度也不断加强。在与外资的合作中股份制商业银行无论资产总额,还是利润、资产质量方面的财务指标都有显著的好转,自身实力有了明显的提升。文章考察了外资参股中国股份制商业银行的进展情况,探析了其参股的背景、特点和对股份制商业银行产生的各种影响,并通过数理模型分析了外资银行进入我国后,在与中资银行竞争中所处的地位以及对整个银行业的影响,同时针对外资参股股份制商业银行,运用杜邦分析法对外资参股后股份制商业银行在资本充足率、不良贷款率以及资产收益率方面的变化进行进一步的分析。结果表明:入世前,外资在整个银行业所占的比重很小,外资银行在华的发展并未对中资银行构成威胁;入世后,随着外资规模的不断扩大,其影响力也越来越大,中外银行的竞争与合作并存。在这一阶段中,股份制商业银行的资本充足率、不良贷款率和资产收益率都有了明显的改善,运用杜邦分析可以看出,股份制商业银行的相关财务比率也有较大幅度的优化,这说明外资参股充足了股份制银行的资本,改善了经营管理,完善了内控制度,降低了资本运作风险,提高了资本运作效率,增强了盈利能力,从而证明了引入战略投资者是我国银行改革的一条可行之路。研究外资进入我国银行业,特别是以参股方式与股份制商业银行合作后对中资银行产生的积极、消极影响,以及参股前后所遇到的一些问题,将有助于正确引导外资参股活动健康有序地发展,同时也可使城市商业银行在引进外资时从中得到借鉴。更多还原

【Abstract】 After joining WTO, China’s banking industry has kept on opening up, with its pace for foreign capital purchasing shares of native banks continuously accelerated. Introducing foreign shareholders and intensifying cooperation with international banking industry have become the key steps for institutional innovation of native banks as well as their important strategic choice. After entry into WTO, China has strengthened the opening up of banking industry. In recent years, several foreign financial institutions have purchased shares of native banks. Their share (equity) participation objects, besides three state-owned commercial banks, were mostly joint-stock commercial banks. Foreign banks’involvement into China’s banking industry has been deepened, their cooperation with joint-stock commercial banks closer and their correlation with management and administration, profitability of China’s banking industry and even joint-stock commercial banks strengthened constantly. In the cooperation with foreign capital, joint-stock commercial banks, in terms of financial indexes, be it total amount of assets, profit or assets quality, all have enjoyed remarkable improvement, and their power has been enhanced markedly.The paper reviews the development of foreign capital purchasing shares of China’s joint-stock commercial banks, explores the background, characteristics of purchasing shares and its impact on joint-stock commercial banks, analyzes through mathematical model foreign-funded banks’position in the competition with native banks after its entry into China and the impact on the whole banking industry, and meanwhile, against foreign capital purchasing shares of joint-stock commercial banks , conducts further analysis through DuPont analysis on changes of capital adequacy, non-performing loan rate and assets rate of return after foreign capital participation. The result indicates that before the entry into WTO, foreign capital only owned small proportion of shares, its development in China had not posed threats to native banks; after the entry, with foreign capital’s size ever expanding, its influence rises more and more, and competition comes with cooperation between foreign and native banks. In this stage, joint-stock commercial banks capital adequacy, non-performing loan rate and assets rate of return have all improved remarkably, and applying DuPont analysis shows that relevant financial ratios of joint-stock commercial banks have been largely optimized, which indicates that foreign capital purchasing shares enriches the capital of joint-stock banks, improves their management and administration, perfects their internal control system, lowers the capital-operating risk, and enhances the capital-operating efficiency as well as the profitability, thus proving that introducing strategic investors is a feasible road for China’s bank reform.To study the positive and negative influence on native banks after foreign capital entering China’s banking industry, especially through cooperation with joint-stock commercial banks by purchasing shares, as well as some problems in the participation, will help lead foreign capital purchasing shares to healthy and orderly path, which can provide reference for city commercial banks when introducing foreign capital.更多还原