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摘要：随着中国经济的改革开放和金融自由化的深化，外资银行进入中国银行业的速度继续加快，向纵深发展。中国按照加入世贸组织的承诺，2006年12月11日，已全面向外国投资开放银行市场，取消对外资银行经营人民币业务的地域和客户限制。截至2008年4月底，一共有33个外资银行本地注册银行，外资银行111家分行和235个代表处的外资银行在中国注册。留学生金融毕业论文外资银行不良贷款为6.77亿元人民币和不良贷款占贷款总额的比例（沉，鲁，吴，2009）的1.03％。外资银行进入中国银行业形成了更加严峻的挑战，和（葛姆雷2010年）的财务和经济产生了重大而深远的影响。因此，研究外资对中国银行业的运作效率，并探讨应对策略的影响将具有非常重要的理论意义和现实意义，深化银行业的改革，维护银行业的健康发展。

Abstract

With China's economic reform and opening up and deepening of financial liberalization, foreign banks to enter China's banking sector continued to accelerate in speed, and developed in depth. In accordance with WTO commitments, December 11, 2006, China has fully opened the banking market to foreign investment, abolished the geographic and client restrictions for foreign banks to conduct RMB business. As of late April 2008, a total of 33 foreign banks registered as locally incorporated banks, 111 foreign bank branches and 235 representative offices of foreign banks in China. Foreign banks non-performing loans were 6.77 billion yuan and the non-performing loans accounted for 1.03% of the total loans ratio (Shen, Lu and Wu, 2009). Foreign bank entry will be the formation of a more serious challenge to China's banking sector, and produced the significant and far-reaching impact on the finance and economy (Gormley, 2010). Therefore, the study of the impact of foreign investment on China's banking sector operational efficiency and to explore coping strategies will have very important theoretical and practical significance to deepen the reform of the banking industry to safeguard the healthy development of the banking industry.

Acknowledgements 2
Abstract 3
List of Tables 5
List of Abbreviation 6
Chapter 1 Introduction 7
1.1 Research background and significance 7
1.2 Research aim and objectives 9
1.3 Research methods 9
1.4 Framework of this dissertation 9
Chapter 2 Literature review 10
2.1 Emergence and development of foreign banks 10
2.1.1 Definition of foreign banks 10
2.1.3 Characteristics of foreign banks in China 10
2.2 Impact of foreign bank entry on the efficiency of host banking system 12
2.2.1 To help the host country improve the efficiency of the banking system 12
2.2.2 Uncertainty to improve the efficiency of the banking system in the host country 12
2.3 Relationship between the host open conditions and the efficiency gains 14
2.4 Impact of foreign bank entry on the stability of the host country banking system or financial security 14
2.5 Summary of research status 15
Chapter 3 Research design 16
3.1 Evaluation index selection of operational efficiency in China's banking sector 16
3.2 Variable selection and data description 17
3.2.1 Variable selection 17
3.2.2 Data description 18
3.3 Establishment of regression equation 19
Chapter 4 Regression results and analysis 21
4.1 Regression analysis of interest income rate 21
4.2 Regression analysis of non-interest income rate 22
4.3 Regression analysis of operating expenses rate 23
4.4 Regression analysis of ROE 24
4.5 Regression analysis of return of net worth 25
4.6 Regression analysis of NPL provision rate 26
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