It finds out that the entry of foreign banks is negatively related with the before tax profit and overhead of domestic banks, while positively with net interest margin and nonloan income, and has bigger impact on stock holding commercial banks.

• 结果发现，外资银行进入与国内银行的税前利润和管理费用负相关，而与净利息收益和非货款收益却正相关，且外资银行进入对股份制商业银行的冲击更大。