中文摘要：

以中国金融市场的逐步开放为背景，选取4大国有银行与10家股份制银行作为研究对象。利用1996-2005年间面板数据（paneldata）建立一阶差分模型，就外资银行进入对我国不同所有制银行的利润率、净利息收入率、管理费用率、非贷款收益率、抗风险能力等5个方面的影响进行了比较分析。实证结果表明：总体上看，外资银行进入具有一定的技术溢出效应和“鲇鱼效应”，促进了我国银行业经营成本的下降和经营绩效的提高，但对我国银行业抗风险能力的影响并不显著；就利润率指标而言，外资银行进入对股份制银行的冲击要大于4大国有商业银行。

英文摘要：

Establish a one-difference model based on China＇s gradually opening financial market and panel data for 4 state-owned banks and 10 joint-stock banks from 1996 to 2005. The main aim of the paper is to analyze the effects of the entry of foreign banks on China＇s banking industry such as profits ratio, net interest income, management cost ratio, non-lending rate of return, risk-resistance capability. The empirical results show： Overall, the entry of foreign banks possess certain technological spillover effect and ＂catfish effects＂, has promoted China＇s banking industry and decrease operating costs and improve operating performance, but on China＇s anti-risk ability of the banking sector is not significantly affected; according to the indicator Of profitability, the impact of the entry of foreign banks on 10 joint-stock banks is greater than 4 state-owned commercial banks.