我国商业银行跨境经营的区位选择研究
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摘要
"一带一路"战略推动了我国越来越多企业境外贸易的延伸和发展,随之而来的海外金融服务需求愈加扩大,商业银行如何进行境外区位布点,推进跨境经营就显得必要且紧迫。文章运用EVIEWS7.2计量软件,对我国商业银行跨境经营区位选择的影响因素进行实证检验。研究表明,对东道国直接投资额、东道国人均GDP、是否与东道国签订双边贸易协定、与东道国的地理距离、东道国是否被设为国际金融中心这五个因素与我国商业银行跨境经营区位选择之间有着显著的相关性。提出制定区位布局战略、确定重点关注市场等建议,旨在推进我国商业银行更好地经营和发展。
The strategy of "one belt and one road" has promoted the extension and development of more and more enterprises' overseas trade. The resulting demand for overseas financial services is growing,so it is necessary and urgent for commercial banks to expand overseas and promote cross-border operation. This paper uses Eviews7.2 measurement software to empirically test the influencing factors of location selection of cross-border operation of commercial banks in China. The research shows that there are significant correlations between the direct investment in the host country,the per capital GDP of the host country,whether to sign bilateral trade agreements with the host country,the geographical distance from the host country,whether the host country is set as an international financial center,and the location choice of cross-border operation of Chinese commercial banks. In order to promote the better development of China's commercial banks,this paper puts forward some suggestions,such as formulating the location layout strategy and focusing on the market.
The strategy of "one belt and one road" has promoted the extension and development of more and more enterprises' overseas trade. The resulting demand for overseas financial services is growing,so it is necessary and urgent for commercial banks to expand overseas and promote cross-border operation. This paper uses Eviews7.2 measurement software to empirically test the influencing factors of location selection of cross-border operation of commercial banks in China. The research shows that there are significant correlations between the direct investment in the host country,the per capital GDP of the host country,whether to sign bilateral trade agreements with the host country,the geographical distance from the host country,whether the host country is set as an international financial center,and the location choice of cross-border operation of Chinese commercial banks. In order to promote the better development of China's commercial banks,this paper puts forward some suggestions,such as formulating the location layout strategy and focusing on the market.
引文
[1]徐杰.商业银行借力“一带一路”战略走出去:三个问题[J].经济研究参考,2015,(49):36-43.
[2]Moshirian,F.International investment in financial services[J].Journal of Banking and Finance,1999,(09):34-49.
[3]Business environment and the incorporation decision[J].Asli Demirguc-Kunt,Inessa Love,Vojislav Maksimovic.Journal of Banking and Finance.2001,(11).
[4]G Clarke,R Cull,SM Sánchez.Foreign bank entry-experience,implications for developing countries,and agenda for further research[J].《World Bank Research Observer》,2003,18(1):25-59.
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[10]宋小雪.中国商业银行跨境经营区位选择研究[D].济南:山东师范大学,2015.
[11]朱琳.崔新健.商业银行跨国经营区位选择实证研究---基于中资银行跨国经营面板数据固定效应模型的检验[J].现代管理科学,2017,(01).
[12]张同功.新常态下我国银行业国际化区位选择影响因素研究[J].金融发展研究,2016,(05).
《中国学术期刊(光盘版)》电子杂志社编者注:本文中涉及台湾、香港、澳门的“国家”均应为“国家(地区)”,“国”均应为“国(地区)”,“country”均应为“country(region)”。
[2]Moshirian,F.International investment in financial services[J].Journal of Banking and Finance,1999,(09):34-49.
[3]Business environment and the incorporation decision[J].Asli Demirguc-Kunt,Inessa Love,Vojislav Maksimovic.Journal of Banking and Finance.2001,(11).
[4]G Clarke,R Cull,SM Sánchez.Foreign bank entry-experience,implications for developing countries,and agenda for further research[J].《World Bank Research Observer》,2003,18(1):25-59.
[5]RZ Aliber.International Banking:A Survey and Comments[J].Journal of Money Credit&Banking,1984,16,4.
[6]毛蕴诗.跨国公司战略竞争与国际直接投资[M].广州:中山大学出版社,1997.
[7]王晞.跨国银行进入中国决定因素的实证分析[J].金融研究,2005,(08).
[8]戴志敏,曾斯璐.我国商业银行跨国经营区位选择分析[J].经济地理,2011,(12).
[9]张军.“一带一路”战略下中资商业银行国际化区位选择[J].经济问题探索,2016,(12).
[10]宋小雪.中国商业银行跨境经营区位选择研究[D].济南:山东师范大学,2015.
[11]朱琳.崔新健.商业银行跨国经营区位选择实证研究---基于中资银行跨国经营面板数据固定效应模型的检验[J].现代管理科学,2017,(01).
[12]张同功.新常态下我国银行业国际化区位选择影响因素研究[J].金融发展研究,2016,(05).
《中国学术期刊(光盘版)》电子杂志社编者注:本文中涉及台湾、香港、澳门的“国家”均应为“国家(地区)”,“国”均应为“国(地区)”,“country”均应为“country(region)”。