我国商业银行的经营效率差异及影响因素研究

发布时间：2018-01-09 12:24

本文关键词：我国商业银行的经营效率差异及影响因素研究　出处：《武汉理工大学》2012年硕士论文　论文类型：学位论文

【摘要】：银行业一直以来都是我国金融体系的核心,随着对外开放程度的不断加深,以及2001年加入世界贸易组织,我国经济与国际金融联系也越来越紧密。在国内和国际环境背景不断变化影响下,我国银行业一直处于向前发展的趋势,特别是我国四大国有商业银行业股份制改革的完成并成功上市,上市商业银行发展迅速,其在银行业中的甚至是在金融体系中的地位也越来越重要。随着入世承诺的实现,2006年底,我国金融市场已经全面放开管制,外资银行和金融机构享受国民待遇,这也意味着金融市场的竞争也越来越激烈,我国银行不仅要对内部银行间的竞争,还要在客户、业务、地域范围、人才引进等方面与外资银行展开竞争。面对残酷的竞争压力,我国银行战胜挑战的关键点在于提高竞争力,而竞争力的提升主要依靠银行经营效率的提高。因此,对商业银行的经营效率进行研究,分析目前我国银行经营效率差异以及找出影响经营效率的因素,对我国银行业的发展具有重要的理论和现实意义。本文从五个方面对商业银行的效率及影响因素进行了研究：第一部分是导论,阐述了本文的研究目的和意义,对国内外相关研究进行综述,并介绍了研究方法,对整个论文的框架结构进行了描述；第二部分阐述了银行经营效率的相关理论,对商业银行的经营效率进行了界定和分类阐述,并对银行效率测度的参数方法和非参数方法的优缺点进行了比较分析。在第三部分中,结合我国银行业的发展现状,采用数据包络分析法,利用Deap2.1软件对我国A股上市的16家商业银行的效率值进行了分析；第四部分利用回归模型对效率值的影响因素进行了分析,针对影响作用的大小对上市商业银行效率的提升提出改进建议；第五部分是研究结论与展望。本文的核心章节是第三章和第四章,是文章的主体部分。本文的创新之处在于按照所有选择A股上市的商业银行所有制结构的不同,对国有商业银行、股份制商业银行和城市商业银行的经营效率和影响因素进行了分析。本文的研究成果是国有商业银行的效率与股份制商业银行的效率差别不大,但是仍高于城市商业银行,由于研究环境的变化,这与一些研究文献中认为的股份制商业银行的效率比国有商业银行的效率值高的观点不一致；在影响因素分析中资产收益率是影响经营效率最主要的因素,同时也会受到存贷比及银行规模的影响。
[Abstract]:The banking industry has always been the core of our financial system, with the deepening opening up in 2001, and joined the world trade organization, China's economy and international finance is increasingly closely linked. In the domestic and international environment changing under the influence of China's banking industry has been in development trend forward, especially China's four major state-owned commercial banks joint-stock reform and development of the successful listing of listed commercial banks in the banking industry in the rapid, even in the financial system has become more and more important. With the implementation of WTO commitments by the end of 2006, China's financial market has been fully deregulated, and foreign banks financial institutions enjoy national treatment, this also means that the financial market is also increasingly fierce competition, China's banks should not only
The internal competition between banks, but also in the customer, business, geographic scope, such as the introduction of talent to compete with foreign banks. Face the brutal competition, the key point of China's banking challenges is to improve competitiveness, and enhance the competitiveness of the products mainly rely on bank efficiency. Therefore, research on commercial banks the analysis of the current operating efficiency, the operating efficiency of China's banks differences and find out the influencing factors of the operating efficiency, has important theoretical and practical significance for the development of China's banking industry.
This paper studied the efficiency and the influencing factors of commercial banks from five aspects: the first part is the introduction, describes the purpose and significance of the research, summarizes the related research at home and abroad, and introduces the research methods and framework of the whole paper are described; the second part elaborates the related theory of Bank management efficiency and the definition and classification of the commercial bank's operation efficiency, advantages and disadvantages of bank efficiency parameter method and non parametric methods are compared and analyzed. In the third part, combined with the development status of China's banking industry, using data envelopment analysis, using Deap2.1 software to the A stock market in China 16 commercial banks efficiency values were analyzed using the regression model; the fourth part of the factors affecting the efficiency of value are analyzed, according to the effect of the size of the listed manufacturer Ye Yin The improvement of the efficiency is proposed, and the fifth part is the conclusion and Prospect of the research.
The core of this chapter is the third chapter and the fourth chapter is the main part of the article. The innovation of this paper is in accordance with the selection of all A shares of listed commercial banks ownership structure is different, the factors of state-owned commercial banks, joint-stock commercial banks and city commercial banks operating efficiency and effect are analyzed. The research results of this paper is not efficiency difference between the efficiencies of state-owned commercial banks and joint-stock commercial banks, but still higher than the city commercial banks, due to the change of the environment, the efficiency and that some studies in the literature of joint-stock commercial banks than the efficiency of state-owned commercial banks of high value differ; in the analysis of influencing factors of asset returns are the main factors affecting the operating efficiency, but also will be affected by the loan deposit ratio and the size of the bank.

【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224

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