上市商业银行经营效率测度评价及优化途径研究

发布时间：2018-01-17 19:28

本文关键词：上市商业银行经营效率测度评价及优化途径研究　出处：《福建农林大学》2013年硕士论文　论文类型：学位论文

【摘要】：金融是当代经济发展的核心因素,经营效率高低是商业银行综合竞争力的集中体现。2003年9月,党中央、国务院决定按照“建立规范的公司治理结构,转换经营机制,成为产权清晰、资本充足、内控严密、运营安全、服务与效益良好、具有国际竞争力的现代商业银行”的目标,对国有商业银行实施股份制改革。2003年来,国务院加快了对银行体系改革的步伐,通过股份制改革、完善公司治理制度、引进境外战略投资者、强化风险管理、促进联合和重组等措施促进国有商业银行发展,主要目的就是深化商业银行体制改革,剥离国有商业银行不良资产,改革多元化产权制度,提升国有商业银行的经营效率。本文在对国内外商业银行绩效评价研究现状的基础上,总结当前研究存在的主要不足和缺陷。本文第二部分主要对商业银行经营效率测度理论进行梳理；第三部分介绍当前国内上市商业银行经营效率现状,并从宏观经济环境、中观行业环境以及微观个体因素三个方面分析可能影响上市商业银行经营效率的因素,解释产权的股份制改造对于经营效率的影响；第四部分主要介绍商业银行稳健经营遵循的目标原则,基于投入和产出的角度分析当前商业银行经营存在的问题,并提出针对性的对策建议；第五部分首先解释商业银行经营效率测度评价数据包络分析方法,选取2005-2010年15家上市商业银行经营投入和产出指标的面板数据进行实证分析；第六部分主要依据经营效率测度评价结果作为托宾回归模型的因变量,选取银行规模、经营保障程度、盈利能力、存贷资产配置、业务创新能力、内部治理情况、宏观经济环境、中观行业外部环境、人力资源情况、产权性质以及年份数据为自变量进行商业银行经营效率影响因素实证分析。文章第七部分提出以下几点建议改善优化商业银行经营效率：(1)加强内部控制体系建设完善费用预算控制提升盈利能力；(2)依靠内部控制制度规范化经营避免操作风险和合规风险；(3)通过积极营销制定优惠利率政策,适当提高贷款资产比例；(4)依靠良好金融服务品质适当控制吸收存款规模避免高昂存款成本；(5)重视人才的引进与培养,提升员工的知识技能水平；(6)继续深化商业银行产权股份制改革完善现代公司企业治理制度。
[Abstract]:Finance is the core factor of contemporary economic development, and the level of management efficiency is the concentrated embodiment of the comprehensive competitiveness of commercial banks. In September 2003, the CPC Central Committee and the State Council decided to establish a standardized corporate governance structure. The transformation of management mechanism has become the goal of modern commercial banks with clear property rights, sufficient capital, tight internal control, safe operation, good service and benefit, and international competitiveness. Since 2003, the State Council has accelerated the pace of the reform of the banking system, improved the corporate governance system and introduced foreign strategic investors through the reform of the joint-stock system. Strengthen the risk management, promote the combination and reorganization and other measures to promote the development of state-owned commercial banks, the main purpose is to deepen the reform of the commercial bank system, stripping off the bad assets of state-owned commercial banks, and reform the diversified property rights system. Improve the operational efficiency of state-owned commercial banks. This paper on the basis of domestic and foreign commercial banks performance evaluation research status quo. The second part of this paper mainly reviews the theory of operational efficiency measurement of commercial banks; The third part introduces the current operational efficiency of listed commercial banks in China, and analyzes the factors that may affect the efficiency of listed commercial banks from three aspects: macroeconomic environment, intermediate industry environment and micro individual factors. Explain the influence of the share-holding system reform of the property right on the management efficiency; The 4th part mainly introduces the objective principle of commercial bank's steady operation, analyzes the problems existing in the current commercial bank's operation based on the angle of input and output, and puts forward some countermeasures and suggestions. The 5th part first explains the commercial bank management efficiency measurement evaluation data envelope analysis method. From 2005 to 2010, the panel data of 15 listed commercial banks' operating input and output index were selected for empirical analysis. The 6th part is mainly based on the evaluation results of management efficiency as the dependent variables of Tobin regression model, select the size of the bank, the degree of business security, profitability, deposit and loan assets allocation, business innovation ability. Internal governance, macroeconomic environment, the external environment of the meso industry, human resources. This paper makes an empirical analysis of the influencing factors of commercial banks' operating efficiency based on the property right nature and the year data as independent variables. Part 7th of the article puts forward the following suggestions to improve and optimize the management efficiency of commercial banks: 1). Strengthen the construction of internal control system and improve the cost budget control to enhance profitability; (2) to rely on the standardized operation of internal control system to avoid operational risk and compliance risk; (3) formulating preferential interest rate policies through active marketing to appropriately increase the proportion of loan assets; (4) relying on the quality of good financial services to properly control the scale of deposit absorption to avoid high deposit costs; (5) attach importance to the introduction and training of talents and improve the knowledge and skills of employees; Continue to deepen the reform of property rights of commercial banks and improve the modern corporate governance system.
【学位授予单位】：福建农林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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