我国商业银行国际化经营动因研究
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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。
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.
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。
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.
引文
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[16]Yamori. Anote on the location choice of multinational banks:The case of Japanese financial institutions. Journal of Banking and Finance,1998,22:109-120
[17]Mutinelli M, Piscitello L. Foreign direct investment in the banking sector:the case of Italian banks in the 90s. International Business Review,2001,20(6):661-685
[18]Merrett D T. The internationalization of Australian banks. Journal of International Financial Markets, Institutions and Money,2002.12:377-397
[19]曾庆斌,银行业海外扩张的寡占反应动机[J],海南金融,2005(11)
[20]Goldberg, Grosse. Location choice of foreign banks in the United States. Journal of Economics and Business, 1994,12(5):367-379
[21]Niehans. Financial innovation, multinational banking and monetary policy. Journal of Banking & Finance, 1983,7(4):537-551
[22]Argus D. Global strategies of a major Australian bank. School of Banking and Finance. David Syme Faculty of Business, Monash University, Australia:Banking and Finance Occasional Papers,1990.90-91
[23]Tschoegl, A.E. FDI and internationalization:Evidence from US subsidiaries of foreign banks. University of Delaware. unpublished paper,2001
[24]Justin G F, Elisa A B, et al. A decade of internationalization:The experience of an Australian retail bank. Journal of International Financial Markets, Institutions and Money,2002 (12):399-417
[25]Adrian E, Tschoegl. FDI and internationalization:Evidence from US subsidiaries of foreign banks. Journal of International Business Studies,2002,33.
[26]Lawton T C, Harrington D G Banking on global success:Internationalization strategy and its limitations (The Case of Allied Irish Banks). Thunderbird International Business Review,2006,48(3):405-424.
[27]Petrou A. Multinational banks from developing versus developed countries:Competing in the same arena? Journal of International Management,2007,13(3):376-397.
[28]李波.《银行存贷利差的比较经济分析》[J].比较,2005(18).第181页
[29]刘艾莉,我国商业银行国际化动因的实证研究[D].硕士,浙江大学,2007
[30]以下关于跨国银行国际化阶段演进的理论,部分借鉴庄乾志.银行发展：市场化与国际化.第十三章第一节中内容,北京：北京大学出版社,2001
[31] Dicken P. Global Shift. The Guilford Press,1998
[32]伍海华.跨国银行论.北京：经济科学出版社,1996
[1]Andrew W. Mullineux and Victor Murinde,Handbook of International Banking,Edward Elgar Publishing, Inc.2002.
[2]Benston,G. J.,Branch banking and economies of scale, Journal of Finance,1965:312-331.
[3]Benston, Hanweck & Humphrey.Scale economies in banking:A restruring and reassess-ment. Journal of Money, Credit and Banking,1982,14 (4):435-456.
[4]Brickley,J.A,C.M.James. The Takeover Market, Corporate Board Composition and Ownership Structure:The Case of Banking, Journal of Law and Economics,1987 (3):161-181.
[5]Bergen Allen N., R. DeYoung, H. Genay, and G.F. Udell. Globalization of Financial Institutions:Evidence from Cross-border Banking Performance. Brookings-Wharton Papers on Financial Services,2000, Vol.3.
[6]Buck,C.M. Information or Regulation:What is Driving the International Activities of Commercial Banks? Kiel Working Paper 1011. Kiel.2000.
[7]Coase R. H. The Economic Nature of the firm, Cambridge University Press. London 1937, reprinted in 1996.
[8]Deutsche bundesbank, German banks'foreign direct investment and cross-border services [M],Deutsche bundes bank monthly report,2003,1:25-36.
[9]Focarelli, D., F. Panetta and C. Salleo. "Why Do Banks Merge?", Working Paper, Bancad' Italia, Research Department, No:361.1999.
[10]Gary A. Dymski, "The Bank Merger Wave:The Economic Causes and Social Consequences of Financial Consolidation", New York:M. E. Sharpe, Inc.,1999.
[11]Ilko Naaborg, Bert Scholtens, Jakob de Haan, Hanneke Bol, Ralph de Haas (2002). How Import Are Foreign Banks in the Financial Development of European Transition Countries? CesIFO Working Paper No.1100.
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