我国商业银行市场结构与市场绩效关系实证研究

发布时间：2018-03-09 19:21

本文选题：国有银行　切入点：股份制商业银行　出处：《中国石油大学（华东）》2013年硕士论文　论文类型：学位论文

【摘要】：商业银行是金融领域的重要组成部分，对整个国民经济的发展起着重要的支持作用。随着竞争主体的增多与竞争程度的加剧，我国原有商业银行市场结构有所改变。本文就是研究在竞争日趋激烈的金融大环境下我国商业银行市场结构的变化，以及这种变化给各银行的市场绩效带来的影响，从而进一步确定我国商业银行市场结构和市场绩效之间的关系。本文首先介绍了研究背景意义及运用的相关理论，然后利用14家具有代表性的全国性商业银行2003-2011年相关数据对我国商业银行市场结构及市场绩效进行分析，通过构建计量经济模型实证地分析了我国商业银行市场结构和绩效的关系。通过运用Eviews软件对数据的分析，得出了我国商业银行市场结构和绩效之间的相关结论：目前我国商业银行的市场结构属于寡占型；市场绩效水平日益提高，，其中股份制商业银行比国有商业银行具有更高的绩效水平；市场结构中市场集中度对我国银行绩效的影响呈现出负相关关系，市场份额对我国银行市场绩效的影响呈现出正相关关系。最后，根据对我国商业银行市场结构和绩效的分析结论，提出了优化我国商业银行市场结构、提高我国商业银行绩效对策建议：加快商业银行并购重组，提升其集团化规模经营效益；降低银行业进出壁垒，在结构优化中提升其行业效益；鼓励中小银行发展，提高银行业竞争程度；推进产权改革，以多元化产权结构提升银行活力。
[Abstract]:Commercial banks are an important part of the financial field and play an important supporting role in the development of the whole national economy. This paper is to study the changes of market structure of commercial banks in China under the increasingly competitive financial environment, and the impact of this change on the market performance of banks. Thus, the relationship between market structure and market performance of commercial banks in China is further determined. This paper first introduces the background significance of the research and related theories, and then uses 14 representative national commercial banks to analyze the market structure and market performance of Chinese commercial banks from 2003 to 2011. This paper empirically analyzes the relationship between market structure and performance of Chinese commercial banks by constructing econometric models, and analyzes the data by using Eviews software. The paper draws the conclusion that the market structure of commercial banks in China is oligopolistic and the level of market performance is improving day by day. The joint-stock commercial banks have a higher level of performance than the state-owned commercial banks, and the influence of market concentration on the performance of Chinese banks shows a negative correlation in the market structure. There is a positive correlation between market share and market performance. Finally, based on the analysis of the market structure and performance of commercial banks in China, the paper puts forward the countermeasures to optimize the market structure of commercial banks in China and to improve the performance of commercial banks in China: speeding up the merger and reorganization of commercial banks. To enhance the efficiency of its collectivized scale operation; to reduce the barriers to entry and exit of the banking sector, and to enhance its industry efficiency in structural optimization; to encourage the development of small and medium-sized banks and to enhance the degree of competition in the banking sector; and to promote property rights reform. To diversify the structure of property rights to enhance the vitality of banks.
【学位授予单位】：中国石油大学（华东）
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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