외자지분율이 중국상업은행의 안정성에 미치는 영향

The impact of foreign capital on the stability of Chinese Banks is expected to expand in 2018, when the government lifted restrictions on foreign ownership of Chinese commercial Banks. The purpose of this study is to study the influence of foreign shareholding ratio on the stability of Chinese commercial Banks. This paper analyzes the influence on the stability of China’s commercial Banks by the types of commercial Banks (state－owned commercial Banks, joint－stock commercial Banks, and city commercial Banks). From 2008 to 2019, 16 commercial Banks (5 state－owned commercial Banks, 6 joint－stock commercial Banks, and 5 urban commercial Banks) were taken as the objects, and the STATA statistical program was used to analyze them with linear regression model and fixed effect regression model. The analysis results show that the shareholding ratio of foreign investors has a negative impact on the stability of China's commercial Banks. According to the survey, state－owned commercial Banks have a positive (＋) effect on stability, and a negative (－) effect on joint－stock commercial Banks and urban commercial Banks. Therefore, the management team of Chinese commercial Banks should adopt differentiated strategies to attract foreign capital according to different types of commercial Banks.