Credit Bureaus and Overseas Expansion of Banking Industry

信用報告機構與銀行業海外擴張

周秀霞(Hsiu-Hsia Chou) ； 沈中華(Chung-Hua Shen)

《財務金融學刊》 21卷1期 (2013/03) Pp. 29-52

https://doi.org/10.6545/JFS.2013.21(1).2

摘要

本文探討地主國信用報告機構發展與多國籍銀行海外擴張之關係，以引力模型分析113國多國籍銀行，在80個國家之海外擴張行為。實證顯示，地主國存在公共信用報告機構，或信用報告機構覆蓋率愈高，外國銀行在地主國設立分支機構的實體擴張愈多，隱含信用報告機構的資訊分享功能，與外國銀行在地主國的實體投資增加存在正向關係。

關鍵字

信用報告機構 ； 資訊分享 ； 銀行業海外擴張 ； 引力模型

並列摘要

This article highlights the relationships between credit bureaus and foreign bank entry. The information sharing function of credit bureaus helps banks gain access to borrowers' credit records. We collect detailed data of foreign bank offices in 80 countries and use a gravity model to test the relationship between credit bureaus and foreign expansion. Empirical results show that the existence of credit bureaus is positively correlated with foreign bank offices, i.e. foreign banks set up more offices in countries with credit bureaus. It implies that the information sharing of borrowers’ credit records encourages foreign banks to invest more in host countries.

並列關鍵字

Credit bureaus ； information sharing ； foreign bank entry ； gravity model

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