跨区域经营对城市商业银行效率的影响分析
发布时间：2018-09-04 19:16
【摘要】：城市商业银行作为我国银行业体系的“第三梯队”，在成立之初，主要是由所属地域管制。从2006年监管放开后，上海银行开设了第一家异地分支机构，，随后各种模式的跨区域经营不断涌现。近几年，跨区域扩张速度越来越快，各家城市商业银行都开始“跑马圈地”，占领各自的市场份额。伴随着跨区域浪潮的快速扩张，一些问题也逐渐显现。如一些银行设立的分支处于亏损状态、银行内部风险增大、后备储蓄人才严重不足等。在跨区域发展过程中如何有效地提升城市商业银行的效率，对于提升城市商业银行的整体综合竞争力具有重要的现实意义，对于我国城市商业银行的可持续发展也具有重要的意义。 本文在城市商业银行大举跨区域扩张的背景下，基于银行效率理论的分析，以国内外学者关于商业银行跨区域经营对银行效率影响的研究为导向，结合我国城市商业银行跨区域经营的现状，指出了城市商业银行跨区域经营的模式以及目前自身存在的问题。本文的重点是对跨区域经营各种模式下的银行效率变化进行实证分析，找出影响银行效率的因素所在，有针对性地提出城市商业银行在跨区域经营中提高效率的建议。 本文选取近几年城市商业银行中具有代表性的几家银行数据，运用DEA理论模型，对城市商业银行跨区域后效率的变化进行了实证分析，总结了跨区域经营影响其银行效率变化的几个重要因素。最终的研究结论为：一是城市商业银行跨区域经营后，随着资产规模的迅速扩张、资本实力的增强，有利于提升银行的效率。二是并不是所有城市商业银行都适合跨区域经营，跨区域经营有多种模式可以采取，城市商业银行只有根据自身特色，找到最适合自己的发展模式，才能更有效地提升银行效率。最后结合前文的理论分析和实证分析，对如何在跨区域发展战略中提升城市商业银行的效率提出了建议。
[Abstract]:As the third echelon of China's banking system, the city commercial bank was mainly controlled by its territory at the beginning of its establishment. Since the deregulation in 2006, Shanghai Bank has opened its first offsite branch, and then various modes of cross-regional operation have sprung up. In recent years, the speed of cross-regional expansion is getting faster and faster, each city commercial bank begins to "run horses to encircle land", occupy respective market share. With the rapid expansion of cross-regional wave, some problems also gradually appear. For example, some branches set up by banks are in a state of loss, the internal risks of banks are increased, and the reserve savings talents are seriously insufficient. How to effectively improve the efficiency of urban commercial banks in the process of cross-regional development has an important practical significance to enhance the overall comprehensive competitiveness of urban commercial banks. It is also of great significance for the sustainable development of urban commercial banks in China. Based on the analysis of the theory of bank efficiency, this paper is guided by the domestic and foreign scholars' research on the influence of commercial banks' cross-regional operation on the efficiency of banks under the background of large-scale cross-regional expansion of urban commercial banks. Combined with the current situation of cross-regional operation of urban commercial banks in China, the paper points out the mode of cross-regional operation of urban commercial banks and the existing problems. This paper focuses on the empirical analysis of the changes of bank efficiency under various modes of cross-regional operation, finds out the factors that affect the efficiency of banks, and puts forward some suggestions to improve the efficiency of urban commercial banks in cross-regional operation. This paper selects several representative bank data in the city commercial bank in recent years, uses the DEA theory model, has carried on the empirical analysis to the urban commercial bank cross-regional efficiency change. This paper summarizes several important factors that cross-regional operation affects the change of bank efficiency. The final conclusions are as follows: first, with the rapid expansion of assets and the enhancement of capital strength, urban commercial banks can improve the efficiency of banks. Second, not all urban commercial banks are suitable for cross-regional management. There are various modes of cross-regional management. Urban commercial banks can only find the most suitable development model for themselves according to their own characteristics. In order to improve the efficiency of banks more effectively. Finally, based on the theoretical analysis and empirical analysis above, some suggestions on how to improve the efficiency of urban commercial banks in the cross-regional development strategy are put forward.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224
本文编号：2223099
[Abstract]:As the third echelon of China's banking system, the city commercial bank was mainly controlled by its territory at the beginning of its establishment. Since the deregulation in 2006, Shanghai Bank has opened its first offsite branch, and then various modes of cross-regional operation have sprung up. In recent years, the speed of cross-regional expansion is getting faster and faster, each city commercial bank begins to "run horses to encircle land", occupy respective market share. With the rapid expansion of cross-regional wave, some problems also gradually appear. For example, some branches set up by banks are in a state of loss, the internal risks of banks are increased, and the reserve savings talents are seriously insufficient. How to effectively improve the efficiency of urban commercial banks in the process of cross-regional development has an important practical significance to enhance the overall comprehensive competitiveness of urban commercial banks. It is also of great significance for the sustainable development of urban commercial banks in China. Based on the analysis of the theory of bank efficiency, this paper is guided by the domestic and foreign scholars' research on the influence of commercial banks' cross-regional operation on the efficiency of banks under the background of large-scale cross-regional expansion of urban commercial banks. Combined with the current situation of cross-regional operation of urban commercial banks in China, the paper points out the mode of cross-regional operation of urban commercial banks and the existing problems. This paper focuses on the empirical analysis of the changes of bank efficiency under various modes of cross-regional operation, finds out the factors that affect the efficiency of banks, and puts forward some suggestions to improve the efficiency of urban commercial banks in cross-regional operation. This paper selects several representative bank data in the city commercial bank in recent years, uses the DEA theory model, has carried on the empirical analysis to the urban commercial bank cross-regional efficiency change. This paper summarizes several important factors that cross-regional operation affects the change of bank efficiency. The final conclusions are as follows: first, with the rapid expansion of assets and the enhancement of capital strength, urban commercial banks can improve the efficiency of banks. Second, not all urban commercial banks are suitable for cross-regional management. There are various modes of cross-regional management. Urban commercial banks can only find the most suitable development model for themselves according to their own characteristics. In order to improve the efficiency of banks more effectively. Finally, based on the theoretical analysis and empirical analysis above, some suggestions on how to improve the efficiency of urban commercial banks in the cross-regional development strategy are put forward.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F224
【引证文献】
相关硕士学位论文 前1条
1 何雯洁;兰州银行跨区域发展战略研究[D];兰州大学;2013年
本文编号：2223099
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