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论文作者:www.51lunwen.org论文属性:本科毕业论文 Thesis登出时间:2014-06-23编辑:felicia点击率:29941
论文字数:15460论文编号:org201406212306314741语种:中文 Chinese地区:中国价格:免费论文
关键词:sprung upsophisticatedtaken deep rootChinese banking industryprofound influence
摘要:自中国加入世贸组织,越来越多的外资银行如雨后春笋般在中国发展起来。大量的外资银行有能力在中国市场提供一个广泛的、完美的和复杂的和银行客户服务。,因此,他们已经深深扎根在中国银行业,对银行效率影响深远。此外,外资银行进入中国银行给中国市场带来了威胁,使当地银行面临巨大挑战。外资银行的进入刺激并促进了当地银行业的体制改革,推动了业务创新和银行效率的提高。
L.NIM 0.3917 0.4018
(0.078) (0.070)
L2.NIM 0.0694 0.0812
(0.066) (0.061)
EQT 0.4324 0.5528 2.9863 1.1611 3.1480 4.3608
(1.782) (2.792) (1.842) (1.835) (1.535) (2.662)
NIA 0.5546 0.5516 0.6347 0.3520 1.1621 1.4965
(0.515) (0.773) (0.521) (0.519) (0.486) (0.580)
CAF 0.2151 0.1618 0.0752 0.2082 0.0429 0.2996
(0.793) (1.301) (0.802) (0.813) (0.764) (1.224)
COST 50.0769 45.1306 58.7055 64.6572 27.3362 42.0913
(16.267) (21.436) (17.151) (16.033) (17.211) (22.206)
gdpg 0.0321 0.2418 0.2622
(0.050) (0.040) (0.044)
inf 0.1231 0.1932 0.2451
(0.084) (0.085) (0.085)
i 0.0971 0.1636 0.1804
(0.069) (0.070) (0.069)
fb_nb 0.0124
(0.002)
fb_as 0.4594
(0.110)
FEI -1.9001 -3.9255 -1.7909
(0.530) (0.645) (0.837)
FEI*y03 -0.5219
(0.262)
FEI*y04 -0.3890
(0.382)
FEI*y05 -0.8113
(0.336)
FEI*y06 -1.0172
(0.367)
FEI*y07 -0.5834
(0.328)
y00 0.0563 -1.789 -
(0.179) (0.837) -
y01 0.000 - -
(0.000) - -
y02 0.0052 - 0.2359
(0.148) - (0.182)
y03 0.0998 0.1457 -
(0.164) (0.127) -
y04 0.1571 - -0.0099
(0.161) - (0.227)
y05 0.4427 0.0896 0.3973
(0.159) (0.129) (0.234)
y06 0.9293 0.3964 0.6143
(0.176) (0.155) (0.245)
y07 1.1027 0.5725 0.5551
(0.193) (0.195) (0.267)
_cons -1.1033 -1.9899 -1.1259 1.9757 2.2299 2.2444
(1.104) (1.416) (1.150) (1.128) (0.872) (1.275)
N 379 379 379 379 140 140
R2 0.262 0.236 0.212 0.369 M2: 0.7599 M2: 0.8624
F 8.2576 7.3578 6.3802 7.8667 Sargan: 127.70 Sargan: 120.52
p 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000
These counterintuitive results were attributed by Huang and Qin (2009) to the special situation in China. That is because the central bank owns the power to semi-control the interest rates.During their observation period 1999 to 2005, central bank had relaxed the control many times to make banks gaining higher margins. So it may be the reason why the margin growth generally.Furthermore, they also offer the reason how or why the foreign banks presence has the relationship with high margins as the positive and significant coefficient is related to foreign entry.
On the other hand, with aggregate measure, an intrinsic problem is exposed in this research.In this model, data is similar to macroeconomic variables. As annual data, the foreign presence’s aggregate measures vary only by year.So it is hard to different the foreign bank presence’s effect to regulatory variables, such as policy of interest rate or other improvements in banking environment. Compared to foreign bank entry, that variables may have larger potentially effect on net interest margins.
Disaggregated measures are able to conquer the aggregate measures’ problem, because it contains capture cross-sectional variations and bank-specific information.It has used FEI in model 3, wh本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。