我国商业银行资本结构对其竞争力影响的实证研究

发布时间：2018-02-23 05:15

本文关键词： 商业银行资本结构竞争能力　出处：《吉林财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：银行是一个国家金融体系的重要组成部分。随着我国加入WTO以后，国内经济迅速发展，银行业也达到了一个发展的高潮期。但是近些年，银行垄断、银行暴利引发社会普遍质疑，银行业面临前所未有的经营压力，如何实现可持续再发展也面临着严峻的挑战。根据现代财务理论的研究结果我们知道，一个企业资本结构的合理性，直接影响这个企业是否能够正常有序经营，这也影响到企业在本行业的竞争能力。我国的商业银行作为一类特殊的企业,它的资本结构有着自身发展的特殊性。同时，因为商业银行的竞争力是其生存和进一步发展的基础，所以一个商业银行的竞争力与其资本结构有着重要的联系。由于我国商业银行发展起步比国外较晚，导致我国的商业银行没能及时地建立高效的管理机制，监管机制也很难发挥它的作用，最终抑制了我国商业银行的竞争力。在这个背景下，，研究商业银行资本结构对其竞争力的影响，对于我国商业银行盈利能力与经营效率的发展具有十分重大的现实意义。本文以现代资本结构理论为基础，依据新巴塞尔协议阐述的商业银行资本的定义，以此研究分析我国商业银行资本结构与其竞争能力的关系。从银行的资本结构和竞争力决定因素的角度入手来研究我国商业银行的资本结构和竞争能力。通过盈利能力与经营效率来衡量商业银行是否具有较强的竞争能力,以银行存贷比、资本充足率、资产规模等指标来衡量商业银行资本结构。以商业银行资本结构和其竞争能力为研究对象，以四家国有商业银行和六家股份制商业银行在2002-2011年的财务报表数据为依据，借助面板数据模型对银行盈利能力进行分析，采用数据包络分析方法对银行经营效率进行分析。通过分析得出我国商业银行资本结构对其竞争力有显著影响的结论。就商业银行资本结构对其竞争能力的影响进行实证研究与分析，在实证分析的基础上提出了相关的政策建议。这对于优化银行资本结构，增强银行盈利能力具有重要的现实意义。
[Abstract]:Banking is an important part of a national financial system. With the rapid development of domestic economy after China's entry into WTO, the banking industry has also reached a period of high development. But in recent years, bank monopoly, The banking industry is facing unprecedented operating pressure, and how to achieve sustainable development is also facing a severe challenge. According to the research results of modern financial theory, we know that, The rationality of the capital structure of an enterprise directly affects whether the enterprise can operate in a normal and orderly manner, which also affects the competitiveness of the enterprise in this industry. As a special kind of enterprise, the commercial banks of our country, Its capital structure has its own particularity of development. At the same time, because the competitiveness of commercial banks is the basis for its survival and further development, Therefore, the competitiveness of a commercial bank has an important connection with its capital structure. As the development of commercial banks in China started later than abroad, the commercial banks in our country have not been able to establish an efficient management mechanism in time. It is also very difficult for the regulatory mechanism to exert its role, which ultimately inhibits the competitiveness of our commercial banks. Under this background, the paper studies the influence of the capital structure of commercial banks on their competitiveness. It is of great practical significance for the development of profitability and management efficiency of commercial banks in China. Based on the theory of modern capital structure and the definition of capital of commercial banks as elaborated in the New Basel Accord, This paper analyzes the relationship between the capital structure of Chinese commercial banks and their competitive ability. The capital structure and competitive ability of Chinese commercial banks are studied from the point of view of the capital structure and the decisive factors of competitiveness. Profit ability and operational efficiency to measure whether commercial banks have strong competitiveness, The capital structure of commercial banks is measured by the ratio of deposit to loan, the capital adequacy ratio, the scale of assets and so on. Based on the financial statement data of four state-owned commercial banks and six joint-stock commercial banks from 2002 to 2011, the paper analyzes the profitability of banks by using panel data model. By using the method of data envelopment analysis, the paper analyzes the operating efficiency of banks, and draws a conclusion that the capital structure of Chinese commercial banks has a significant influence on their competitiveness, and on the influence of capital structure of commercial banks on their competitiveness. To conduct empirical research and analysis, On the basis of empirical analysis, this paper puts forward some relevant policy suggestions, which is of great practical significance for optimizing the capital structure of banks and enhancing the profitability of banks.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F224

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