我国银行市场结构与绩效关系的实证研究

发布时间：2018-02-15 08:07

本文关键词： 商业银行产业组织市场结构绩效 DEA法　出处：《中南林业科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国银行业经过长期的改革,已经从最初的由中国人民银行一家全垄断,变成目前的四大国有控股银行和其他股份制商业银行相互竞争的格局,整个银行业的市场结构和竞争程度已经发生了巨大的变化。可是从我国银行业的实际业绩来看,虽然银行业竞争格局的改变和股份制改造给银行业业绩带来了显著的改善,但与国外较为成熟的商业银行相比,我国商业银行在经营管理效率以及风险管理方面还是存在着较大的差距。随着一些外资银行和地方性中小银行逐渐兴起,整个银行业已经进入一个竞争更为激烈,更为残酷的时代。在此宏观背景下如何继续改善我国银行业的市场结构来提高商业银行的绩效水平,是当前理论界和实践界关注的一个热点问题。针对这个问题,基于产业组织基础理论,首先运用定量分析法对我国银行业市场结构进行研究,接着利用现代企业综合评价方法中的DEA模型和灰色关联度模型对我国银行业的市场结构与绩效的关系进行了实证研究。研究结果表明,市场份额和市场集中度对市场结构的影响较大；九家股份制商业银行的技术效率值和规模效率值普遍高于四大国有控股银行；我国银行业市场结构与绩效的关联程度在不断扩大。根据以上研究结果,我们主要从银行业市场结构、商业银行绩效以及二者关系这三个方面提出了相应的建议对策。通过对银行业市场结构的改革；对商业银行内部经营管理的改善；鼓励金融创新；推进利率市场化进程；加强金融监督机构的监管等一系列的有效措施来努力提高我国银行业绩效水平。
[Abstract]:After a long period of reform, the banking industry of our country has changed from a monopoly by the people's Bank of China to a competitive pattern between the four major state-owned holding banks and other joint-stock commercial banks. Great changes have taken place in the market structure and the degree of competition of the banking industry as a whole. However, judging from the actual performance of the banking industry in China, although the change of the competition pattern of the banking industry and the reform of the joint-stock system have brought about remarkable improvements to the banking performance, However, compared with foreign commercial banks, there is still a big gap in the efficiency of management and risk management of commercial banks in our country, with the rise of some foreign banks and local small and medium-sized banks. The whole banking industry has entered an era of more fierce and cruel competition. Under this macro background, how to continue to improve the market structure of China's banking industry to improve the performance level of commercial banks, It is a hot issue that the theory circle and the practice circle pay close attention to at present. In order to solve this problem, based on the basic theory of industrial organization, first of all, the quantitative analysis method is used to study the market structure of China's banking industry. Then the relationship between market structure and performance of China's banking industry is studied empirically by using DEA model and grey relational degree model in modern enterprise comprehensive evaluation method. The results show that market share and market concentration have great influence on the market structure, the technical efficiency and scale efficiency of nine joint-stock commercial banks are generally higher than those of the four state-owned holding banks. The relationship between banking market structure and performance is expanding. According to the above research results, we mainly put forward the corresponding countermeasures from three aspects of banking market structure, commercial bank performance and the relationship between the two, through the reform of banking market structure; To improve the internal management of commercial banks; to encourage financial innovation; to promote the process of marketization of interest rates; to strengthen the supervision of financial supervision and other effective measures to improve the performance of China's banking industry.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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