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引入境外战略投资者是中国银行业深化改革的战略选择,是改善公司治理、提升银行绩效的必然趋势。本文以中国13家A股上市银行为研究对象,试图分析境外战略投资者的引进对银行绩效的提高是否有促进作用。研究结果表明:引进境外战略投资者后,国内银行的平均净资产回报率、不良贷款率、拨备覆盖率、成本收入比四个指标得到了显著的改善,资本充足率指标有所改善,并不显著。而平均总资产回报率、资产规模增长率两项指标有所下降,但这种下降并不显著。本文还根据实证分析结果,提出了相应的政策建议。
The introduction of overseas strategic investors is a strategic choice for deepening the reform of China’s banking sector and an inevitable trend of improving corporate governance and enhancing bank performance. In this paper, 13 A-share listed banks in China as the research object, trying to analyze whether the introduction of foreign strategic investors to enhance the performance of banks to promote whether. The results show that: After the introduction of foreign strategic investors, the average return on net assets, non-performing loan ratio, provision coverage ratio and cost-to-income ratio of domestic banks have been significantly improved compared with the four indicators, and the index of capital adequacy ratio has been improved. Not obvious. However, the average return on total assets and the growth rate of assets have declined, but the decline is not significant. Based on the results of empirical analysis, this paper also put forward the corresponding policy recommendations.