我国城市商业银行跨区域经营效率研究

发布时间：2018-07-04 10:09

本文选题：城市商业银行 + 跨区域经营　；参考：《湖南大学》2012年硕士论文

【摘要】：城市商业银行是我国银行业的重要组成部分，其前身是20世纪80年代设立的城市信用社，经过十几年的发展，城市商业银行已经发展成为一个具有相当规模的银行阶层。特别是2009年4月，银监会放宽了城市商业银行跨区域设立分支机构的有关限制以后，我国城市商业银行跨区域经营进程更是不断加快。本文选取了我国20家城市商业银行作为研究对象，探究其2008年—2010年的跨区域经营效率。文章首先回顾了城市商业银行跨区域发展历程，对银行效率进行界定，将其跨区域经营类别分成省内、经济圈内、全国范围内三种，并探究其跨区域经营的动力因素。然后采用聚类分析法将我国城市商业银行分成大型、中型、小型三种类别，进而采用数据包络分析法（DEA）测度其规模效率、纯技术效率和总技术效率。接着，分析了影响我国城市商业银行跨区域经营效率的外部环境和自身条件因素，并对银行规模、经营管理能力、创新能力三大自身条件进行Tobit实证检验。最后，根据实证检验结果，结合我国城市商业银行发展的实际情况，提出提高我国城市商业银行跨区域经营效率的对策建议。本文得到如下结论：1.我国城市商业银行的规模效率总体呈现稳步上升的趋势，跨区域经营一定程度上提高了效率；纯技术效率总体上呈现先上升后下降的倒“V”趋势，这是由小型城市商业银行跨区域经营的同时，内部经营管理能力没有及时跟上，导致其纯技术效率的呈现明显的倒“V”趋势决定的；受规模效率和纯技术效率的共同影响，总技术效率总体呈现先上升后下降的倒“V”趋势，其中，大中型城市商业银行的总技术效率稳步上升，小型城市商业银行呈现明显的倒“V”趋势。2.银行规模对跨区域经营效率影响不显著，城市商业银行应理性对待跨区域经营；盈利性与跨区域经营效率存在显著正相关关系，城市商业银行应不断开创收入来源，提高盈利能力；安全性与跨区域经营效率存在显著负相关关系，这是一种短期效率，长期来看，城市商业银应坚持安全经营，提高资本充足率，降低不良贷款率；流动性与跨区域经营效率存在显著正相关关系，城市商业银行在提高盈利的同时，，应保持适度的流动性；创新能力对跨区域经营效率影响不显著，这是由于目前我国城市商业银行对中间业务普遍涉及较少，提高城市商业银行跨区域经营效率，必须不断提高创新能力，增加中间业务收入。
[Abstract]:City commercial bank is an important part of the banking industry in our country. Its predecessor was the city credit cooperative set up in the 1980s. After more than ten years' development, the city commercial bank has developed into a fairly large bank stratum. Especially in April 2009, the CBRC relaxed the restrictions on the establishment of cross-regional branches of urban commercial banks, and the process of cross-regional management of urban commercial banks in China was accelerated. This paper selects 20 city commercial banks in China as the research object to explore their cross-regional operation efficiency from 2008 to 2010. This paper first reviews the development process of city commercial banks across regions, defines the efficiency of banks, and divides them into three types: provincial, economic and national, and probes into the dynamic factors of their cross-regional operation. Then the city commercial banks of our country are divided into three categories by cluster analysis, which are large, medium and small, and then the data Envelopment Analysis (DEA) is used to measure their scale efficiency, pure technical efficiency and total technical efficiency. Then, the paper analyzes the external environment and its own condition factors that affect the cross-regional management efficiency of urban commercial banks in China, and carries out Tobit empirical test on the bank scale, management ability and innovation ability. Finally, according to the empirical test results, combined with the actual situation of the development of urban commercial banks in China, the paper puts forward some countermeasures and suggestions to improve the cross-regional management efficiency of urban commercial banks in China. In this paper, we get the following conclusion: 1. The scale efficiency of urban commercial banks in our country is increasing steadily, and the efficiency of cross-regional operation has been improved to a certain extent, while the pure technical efficiency has shown the trend of "V" which rises first and then decreases. This is determined by the inter-regional operation of small urban commercial banks, while the internal management capacity fails to catch up in a timely manner, resulting in a marked "V" trend of pure technical efficiency, which is influenced by both scale efficiency and pure technical efficiency. The overall technical efficiency of large and medium-sized city commercial banks increased steadily, and that of small city commercial banks showed an obvious trend of inverted "V". The scale of banks has no significant effect on the efficiency of cross-regional operation, urban commercial banks should treat cross-regional operation rationally, profitability has a significant positive correlation with cross-regional operational efficiency, and urban commercial banks should constantly open up revenue sources. There is a negative correlation between security and cross-regional management efficiency, which is a short-term efficiency. In the long run, urban commercial banks should insist on safe management, increase capital adequacy ratio and reduce non-performing loan ratio. There is a significant positive correlation between liquidity and cross-regional operational efficiency, urban commercial banks should maintain appropriate liquidity while increasing their profits, and innovation ability has no significant impact on cross-regional operational efficiency. This is due to the fact that the city commercial banks of our country generally involve little intermediate business at present. To improve the efficiency of cross-regional operation of city commercial banks, we must constantly improve the innovation ability and increase the income of intermediate business.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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