中文摘要：

文章梳理了外资银行的进入对东道国银行业绩效的影响机制，并以我国银行业中全国性商业银行、地方城市商业银行、信用社以及中外合资银行为样本，就外资银行进入对样本银行的经营费用、盈利能力和银行效率等“组合绩效”指标的影响进行实证分析。在对1998-2005年79家国内银行的面板数据进行了分类估计后发现：（1）外资银行进入的增加导致国内银行管理费用增加；（2）外资银行进入的增加促使国内银行的盈利能力提高；（3）伴随着外资银行的进入，银行竞争不断加剧银行效率也呈现出降低的趋势。

英文摘要：

This article focuses on the entry effect of foreign hanks on the performance of domestic banking industry. We analyze China＇s banking market and select a sample combined with state-owned commercial banks, local city commercial banks, credit cooperatives and joint venture hanks to discuss the impacts on the bank＇s operating expenses, profitability and efficiency of banks and other ＂composition performance＂ indicators brought by foreign banks＇ entry. The following eonelusions are drawn from empirical studies with panel data of 79 domestic banks （1998-2005） ： （1） With increase of foreign banks＇ entry, the domestic banking management cost increases; （2） With the increase of foreign banks＇ entry, the profitability of domestic banks increases; （3） Along with the entry of foreign banks, and constant dramatic competition, banking efficiency shows decreasing trend.