商业银行市场竞争与经营绩效关系研究

发布时间：2018-07-10 06:01

本文选题：商业银行 + 市场竞争　；参考：《中南大学》2013年硕士论文

【摘要】：摘要：在金融业中,银行业居于核心地位,是关系到金融业甚至是整个国家经济持续稳定健康发展的重要元素。当前,中国经济增速明显放缓,利率市场化进程实质推进,银行业市场竞争日趋激烈。而市场竞争一直是影响银行经营绩效的重要因素,因此,对商业银行市场竞争与经营绩效关系的研究,对于我国商业银行有着不可忽视的指导意义。首先,本文分析了大量国内外相关文献及研究成果,对市场竞争与经营绩效关系进行了理论阐述,并在此基础上分析了我国银行业市场竞争与经营绩效之间的影响机理。其次,本文测度了我国商业银行的市场竞争程度与经营绩效水平。一是通过相关数据计算出HHI指数、H-统计量和Lerner指数,分析中国银行业市场竞争程度,结果表明：我国银行业的市场竞争程度呈上升趋势,处于垄断竞争型。二是选取了十个财务指标通过因子分析法测算银行综合绩效值,结果表明：我国商业银行经营绩效水平在不断提高。然后,本文对银行业市场竞争与经营绩效关系进行实证检验。采用2005-2012年18家商业银行的面板数据,选取商业银行的综合绩效值为被解释变量,HHI指数、H-统计量与Lerner指数分别为解释变量,银行资产规模与GDP增长率为控制变量,建立回归模型。结果显示：银行市场竞争程度与经营绩效之间呈正相关关系。最后,论文以现状分析与实证结果为依据,提出了一系列有利于银行提高经营绩效方面的对策建议,包括进一步完善银行业准入与退出机制、鼓励和引导民营资本进入银行业、加速银行经营模式转型、努力发展银行金融创新等。
[Abstract]:Absrtact: in the financial industry, the banking industry occupies the core position and is an important element related to the sustained, stable and healthy development of the financial industry and even the whole national economy. At present, the economic growth rate of China has slowed obviously, the interest rate marketization process has been promoted substantially, and the competition in the banking market is becoming increasingly fierce. Market competition has always been an important factor affecting the performance of commercial banks. Therefore, the study of the relationship between market competition and business performance of commercial banks has a guiding significance for commercial banks in China. First of all, this paper analyzes a large number of domestic and foreign related literature and research results, the relationship between market competition and business performance is expounded theoretically, and on this basis, the influence mechanism between market competition and business performance in China is analyzed. Secondly, this paper measures the degree of market competition and management performance of Chinese commercial banks. First, the HHI index and Lerner index are calculated by the relevant data, and the competition degree of China's banking market is analyzed. The results show that the market competition degree of China's banking industry is on the rise and is in the monopoly competition type. Secondly, ten financial indexes are selected to measure the comprehensive performance of banks by factor analysis. The results show that the performance level of commercial banks in China is constantly improving. Then, this paper makes an empirical test on the relationship between banking market competition and business performance. Using the panel data of 18 commercial banks from 2005 to 2012, the comprehensive performance of commercial banks is chosen as the explanatory variable, HHI index H- statistic and Lerner index are the explanatory variables respectively, and the bank asset size and GDP growth rate are the controlling variables, and the regression model is established. The results show that there is a positive correlation between the degree of market competition and operating performance. Finally, based on the current situation analysis and empirical results, the paper puts forward a series of countermeasures and suggestions, including further improving the banking access and withdrawal mechanism, encouraging and guiding private capital into the banking industry. Accelerate the transformation of banking business model, and strive to develop bank financial innovation.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【共引文献】