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市场特征将影响外资银行的进入模式和在华总资产。本文在市场存在高质量客户区域和低质量客户区域假设的基础上,建立外资银行进入模式的模型,从理论上给出外资银行在华独立发展总资产较少的一个解释。结论表明:因为外资银行在低质量客户区域存在信息劣势,在两个区域客户质量差异较大的情况下,外资银行将在客户规模差异小时选择在高质量区域独立发展模式,而在两个区域客户规模差异也大时选择既独立发展又股权合作的复合模式。只有两个区域客户质量差异不变,随着区域规模差异的增大,外资银行才倾向于选择单纯股权合作模式。此外,外资银行对本地市场熟悉程度下降将降低其选择独立发展模式的可能性。
Market characteristics will affect the entry mode of foreign banks and total assets in China. Based on the hypothesis of high-quality client area and low-quality client area in the market, this paper establishes a model of foreign bank entry mode, and gives an explanation theoretically that foreign banks should independently develop their total assets in China. The conclusion shows that because of the information disadvantage of foreign banks in the low-quality client area, when there are large differences in customer quality between the two regions, the foreign-funded banks will choose to independently develop in high-quality regions when the customer’s scale is small, while in the two regions Large differences in customer size also choose a combination of both independent development and equity cooperation model. Only two regions of the same quality of customer changes, with the regional differences in the size of the increase, foreign banks tend to choose a simple model of equity cooperation. In addition, a decrease in the familiarity of foreign banks with the local market will reduce their chances of choosing an independent development model.