发展PE业务促进我国商业银行经营转型问题研究

发布时间：2018-09-12 10:37

【摘要】：后危机时期,金融危机对全球经济的深层次影响会进一步显现,资本监管不断强化、金融脱媒日益明显、利率市场化渐行渐近,这些都使我国商业银行面临更加复杂的运营环境和现实压力。如何实现自身经营转型与可持续发展是我国商业银行不得不面对的重要问题。PE为转型期的商业银行带来业务发展的新机遇,但在当前运营和监管环境下,商业银行发展PE业务同样也面临巨大的困境和挑战。本文首先围绕商业银行经营转型问题从概念、动因以及内容方面进行了全面、系统的研究。然后基于PE功能与运作机理理论以及商业银行可持续发展理论,分析我国商业银行发展PE业务促进自身经营转型潜在和可行路径,并运用相关分析、多元回归模型等计量方法对PE业务对商业银行绩效的影响进行实证检验。最后结合我国商业银行开展PE业务的现行主要模式和存在的问题,提出相应对策建议。主要研究结论如下：(1)理论分析、路径分析以及实证结果均表明我国商业银行通过发展PE业务促进自身经营转型具有必要性和可行性。(2)实证结果还显示我国商业银行PE基金的托管业务数量与商业银行资本收益率之间存在显著的负相关关系,表明商业银行在PE业务的选择上应该注意树立投入产出效益观念,更加注重提升托管业务的质量和效率。(3)现实操作中,限于政策法规的约束以及商业银行本身的运营特征,商业银行还远没有实现与PE基金的深入合作,商业银行PB业务的发展需要进一步优化和创新。(4)根据实证结果和现实中存在的问题,从商业银行开展PE业务的整体思路、具体操作和所需内外部条件支持三个大的方面提出了相关对策建议。包括要渐进式、个性化开展PE业务；通过加强与其他机构合作拓展银行PE业务广度,以PE托管为突破口,挖掘PE一站式服务深度；建立、健全相关政策法规；建立分阶段、针对性的风险防范体系以及制定长、短期不同的人才储备计划。本文的研究结论无论对于我国商业银行成功实现经营转型还是PE行业在我国的健康、良性发展而言都具有重要意义。
[Abstract]:In the post-crisis period, the deep impact of the financial crisis on the global economy will be further revealed, capital supervision is constantly strengthened, financial disintermediation is becoming increasingly evident, and interest rate marketization is gradually approaching. All these make our commercial banks face more complicated operation environment and realistic pressure. How to realize the transformation and sustainable development of our commercial banks is an important problem that our commercial banks have to face. PE brings new opportunities for the business development of the commercial banks in the transition period, but in the current operating and regulatory environment, Commercial banks also face huge difficulties and challenges in developing PE business. Firstly, this paper makes a comprehensive and systematic study on the concept, motivation and content of the business transformation of commercial banks. Then, based on the theory of PE function and operation mechanism and the theory of sustainable development of commercial banks, this paper analyzes the potential and feasible path for the development of PE business in China to promote their own business transformation, and applies the relevant analysis. The multivariate regression model and other measurement methods are used to test the effect of PE business on the performance of commercial banks. Finally, combined with the current main mode and existing problems of commercial banks carrying out PE business in China, the corresponding countermeasures and suggestions are put forward. The main conclusions are as follows: (1) theoretical analysis, The path analysis and empirical results show that it is necessary and feasible for Chinese commercial banks to promote their business transformation by developing PE business. (2) the empirical results also show that the number and business of PE funds in China commercial banks. There is a significant negative correlation between the return on capital of banks, It shows that commercial banks should pay more attention to setting up the concept of input-output benefit in the choice of PE business, and pay more attention to improving the quality and efficiency of trusteeship business. (3) in the practical operation, it is limited to the restriction of policies and regulations and the operational characteristics of commercial banks themselves. The development of commercial bank's PB business needs to be further optimized and innovated. (4) according to the empirical results and the existing problems in reality, the overall thinking of commercial bank to carry out PE business is discussed. Specific operation and internal and external conditions to support the three major aspects of the relevant countermeasures. Including to gradually, personalized PE business; through strengthening cooperation with other institutions to expand the breadth of bank PE business, with PE custody as a breakthrough, explore the depth of PE one-stop service; establish, improve relevant policies and regulations; establish a phased, Targeted risk prevention system as well as long-term and short-term talent reserve plan. The conclusion of this paper is of great significance to the successful operation transformation of commercial banks in China and the healthy and healthy development of PE industry in China.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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