本論文將內容分為兩部分，第一部份是彙整現有關於’外銀進駐’的文
獻，將焦點集中於國外許多研究者致力探討的4個主題。本論文的第二部
分則陳述了外國銀行於18個已開發國家及38個開發中國家之當地銀行市場
滲入比率的實證，也提供了外國銀行之營運如何迥異於本國銀行的一些證
據。這些差異可能反映了外銀與本國銀行有不同的customer base、不同的bank procedures(常規、做法)以及面對不同的法規和稅制。本論文最
重要的發現是：在已開發中國家，本國銀行相較於外國銀行傾向有較高的
interest margins、profitability、Overhead、以及Loan Loss
Provisioning；而在開發中國家，本國銀行相較於外國銀行亦有較高的
interest margins、Overhead、以及Loan Loss Provisioning，但本國銀行在獲利上仍比不上外銀。

有趣的現象是外國進入者的數目(非size)才是能夠影響本國銀行市場的決
定性因素。這顯示了外國銀行於進駐後立即引起當地銀行之競爭，而非在
取得足夠大的market share之後。

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