외국은행의 우리나라에서의 규모와 경영성과

In this study, two types of the performance of foreign banks in Korea - the asset size and the return on asset - are investigated over the time period of 1994 through 2001 during which Korean banking market is opened to foreigners substantially. The research hypothesis tested are the defensive expansion hypothesis, the host opportunity cost hypothesis, the international experience hypothesis and the banking opportunity hypothesis. To examine these hypotheses, we apply multiple regression analysis. Our empirical results are as follows. First, the regression coefficient of the trade amounts between Korea and the foreign bank's home country is significantly positive. Second, the regression coefficient of the growth of gross domestic products in the foreign bank's home country is significantly negative. Third, the regression coefficient of the career year of foreign banks in Korea is insignificantly positive. Fourth, the regression coefficient of the net interest margin in Korea is significantly positive. In conclusion. all the hypotheses except the international experience hypothesis are accepted in this study.