地方政府持股比例对城市商业银行经营绩效影响的实证研究

发布时间：2018-03-16 03:25

本文选题：城市商业银行　切入点：地方政府持股　出处：《湖南师范大学》2016年硕士论文　论文类型：学位论文

【摘要】：金融是国民经济发展的支柱。随着市场经济的发展,中小微企业在国民经济发展中的地位和作用日益凸显。为了更好地服务地方经济和中小微企业,在地方政府主导下,各地城市信用社在整合后成立城市商业银行。由于城市商业银行有“政府依赖”的特点,其在发展过程中,不可避免的存在政府干预的现象。地方政府持股比例对城市商业银行经营绩效产生何种的影响?本文在查阅相关文献的基础上,运用相关理论对此问题进行理论上的探讨。论文通过回顾城商行发展历史,分析了地方政府持股比例对城商行经营绩效的影响因素及机理,作出了地方政府持股比例与城商行经营绩效的四个假设。通过查阅国泰安数据库、城市商业年报,获取了2010—2014年城商行相关数据,运用混合OLS模型进行实证分析。研究发现：(1)地方政府持股与城商行经营绩效负相关；(2)地方政府持股比例与贷款集中度正相关；(3)地方政府持股比例低较低或较高均对城商行经营绩效产生不利影响；(4)地方政府适度持股有利于提升城商行经营绩效。基于研究结论,提出了控制地方政府持股比例,提高股权制衡度、引入优质外资、降低城商行贷款集中度,惠及中小企业的对策建议。
[Abstract]:Finance is the pillar of national economic development. With the development of market economy, the status and role of small and medium-sized enterprises in the development of national economy become increasingly prominent. In order to better serve the local economy and small and medium-sized enterprises, under the leadership of the local government, Urban credit cooperatives have established urban commercial banks after integration. Due to the characteristics of "government dependence" on urban commercial banks, they are in the process of development. The phenomenon of government intervention inevitably exists. How does the proportion of local government ownership affect the performance of urban commercial banks? On the basis of consulting relevant literature, this paper makes a theoretical discussion on this problem by using relevant theories. By reviewing the development history of city commercial banks, this paper analyzes the factors and mechanism of the influence of local government shareholding ratio on the management performance of city commercial banks. This paper makes four hypotheses about the proportion of local government shareholding and the operating performance of city commercial bank. By consulting Cathay Pacific database and city business annual report, we obtain the relevant data of city commercial bank from 2010 to 2014. Using mixed OLS model for empirical analysis, it is found that: 1) the proportion of local government holding is negatively correlated with the operating performance of the city commercial bank. (2) the proportion of local government holding shares is positively related to the degree of loan concentration; (3) the proportion of local government ownership is lower or higher than that of local government. The moderate ownership of local government is beneficial to the improvement of the business performance of city commercial banks. The paper puts forward some countermeasures and suggestions, such as controlling the proportion of local government holding shares, improving the degree of equity balance, introducing high-quality foreign capital, reducing the centralization of city commercial bank loans, and benefiting the small and medium-sized enterprises.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33

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