外资银行进入对我国商业银行效率的影响的实证研究

bstract: Based on the data collected from 14 commercial banks from 1999 to 2007 and the share of the foreign banks in China, this paper analyses the potential effect of foreign banks on China’s commercial banks in such aspects as income efficiency and cost efficiency through panel data model and multiple linear regression. It concludes that the foreign banks entrance does positive effect to income efficiency and cost efficiency of our commercial banks while some own factors and the macroeconomic situation have influence the commercial banks efficiency. Finally this paper presents countermeasures.