上市对我国商业银行效率影响的实证分析

发布时间：2018-05-18 14:27

本文选题：上市银行 + 效率　；参考：《首都经济贸易大学》2012年硕士论文

【摘要】：作为各国金融体系中最重要的组成部分，，商业银行的经营效率不仅与全社会资源的优化配置息息相关，还会影响到政府金融经济政策的传递与贯彻实施。目前，世界经济环境的动荡与现有银行经营、管理水平的落后，使得我国商业银行面临的挑战和风险不断增多。为尽快提高自身的抗风险能力和竞争能力，国内的各类商业银行纷纷涌向资本市场，希望通过上市提高经营效率，而上市是否真的能提高银行效率这一问题在国内外还没有明确的统一结论。因此，针对我国上市商业银行的效率研究既是一个重大的理论课题，又是一项重要的实践活动，具有突出的理论价值和现实意义。本文以商业银行一般效率理论为基础，采用数据包络分析法(DEA)对我国11家上市商业银行上市前后的效率水平进行了比较研究，并以测算出的技术效率值为因变量建立多元回归模型，进一步探究影响上市银行效率的主要因素。研究结果表明：上市能够帮助国有商业银行和其他类型银行提升技术效率，并且对前者的促进作用更大；资产配置、银行规模和产权结构依次为对我国上市商业银行效率影响最大的三个因素。在实证分析的基础上，本文提出了四个增进我国上市银行效率的对策与建议：一是进一步推进产权制度改革，完善公司治理结构；二是合理控制规模，使规模效应得以充分发挥；三是完善管理机制，引入新方法降低不良贷款率；四是大力发展中间业务，增强人力资源管理能力。
[Abstract]:As the most important part of the financial system of various countries, the operational efficiency of commercial banks is not only closely related to the optimal allocation of the whole social resources, but also affects the transmission and implementation of the government's financial and economic policies. At present, with the turbulence of the world economic environment and the backward management and management of the existing banks, Chinese commercial banks are facing more challenges and risks. In order to improve their ability to resist risks and compete as soon as possible, all kinds of commercial banks in China are flocking to the capital market in order to improve their operating efficiency through listing. However, there is no clear and unified conclusion on whether listing can improve the efficiency of banks at home and abroad. Therefore, the research on the efficiency of listed commercial banks in China is not only a great theoretical subject, but also an important practical activity, which has outstanding theoretical value and practical significance. Based on the general efficiency theory of commercial banks, this paper uses data Envelopment Analysis (DEAA) to compare the efficiency levels of 11 listed commercial banks before and after listing in China. Based on the measured technical efficiency, a multivariate regression model is established to further explore the main factors that affect the efficiency of listed banks. The results show that listing can help state-owned commercial banks and other types of banks to enhance the technical efficiency, and promote the former more. Bank size and property structure are the three most important factors affecting the efficiency of listed commercial banks in China. On the basis of empirical analysis, this paper puts forward four countermeasures and suggestions to improve the efficiency of listed banks in China: first, to further promote the reform of property rights system and perfect the corporate governance structure; second, to control the scale reasonably. The third is to improve the management mechanism, to introduce new methods to reduce the non-performing loan rate, and the fourth is to vigorously develop the intermediate business and strengthen the human resources management ability.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224

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