한 · 중은행의 상호진출이 경영성과에 미치는 영향
The Effect of the Bilateral Expansion of Korean & Chinese Banks on Bank Performance
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This paper studies the influence of the bilateral expansion of Korean and Chinese banks onperformance. To conduct the empirical analysis, we select eleven Banks in South Korea andthirteen Banks in China over the 2000-2014 time frame. The main regression results are asfollowed. First, the sample bank’s overseas subsidiaries have a significant effect onprofitability and the profitability is somewhat deteriorates. Second, the sample bank's overseasbranch and subsidiaries have a significant effect on the bank's risk. That is, the loan lossprovision ratio is slightly increased but impaired loan ratio is highly decreased. Third, thesample banks' overseas branch and subsidiaries also have a significant effect on bankefficiency. The ratio of customer deposits per employee worsens somewhat but the gross loanper employee are increased. In conclusion, as time passes, bank profitability or efficiencyfrom mutual expansion of Korean banks and Chinese banks seem to be improving somewhat,and this phenomenon is more prominent at Korean banks than at Chinese banks.
Abstract
This paper studies the influence of the bilateral expansion of Korean and Chinese banks onperformance. To conduct the empirical analysis, we select eleven Banks in South Korea andthirteen Banks in China over the 2000-2014 time frame. The main regression results are asfollowed. First, the sample bank’s overseas subsidiaries have a significant effect onprofitability and the profitability is somewhat deteriorates. Second, the sample bank's overseasbranch and subsidiaries have a significant effect on the bank's risk. That is, the loan lossprovision ratio is slightly increased but impaired loan ratio is highly decreased. Third, thesample banks' overseas branch and subsidiaries also have a significant effect on bankefficiency. The ratio of customer deposits per employee worsens somewhat but the gross loanper employee are increased. In conclusion, as time passes, bank profitability or efficiencyfrom mutual expansion of Korean banks and Chinese banks seem to be improving somewhat,and this phenomenon is more prominent at Korean banks than at Chinese banks.
참고문헌 (42)
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