外资持股对我国商业银行绩效的影响研究

发布时间：2018-03-09 18:49

本文选题：银行绩效　切入点：外资持股　出处：《石河子大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着全球经济环境的高速发展,我国改革开放进程的不断推进,金融体系的改革不断深入,我国商业银行业所面临的环境也在不断发生变化,我国商业银行在经营管理、银行治理、经营模式等方面仍需要进一步的改革与发展。国际与历史经验都表明,引入外资可以帮助我国商业银行更好地适应国际金融环境,大量的研究表明外资持股可以带来先进的管理技术转移和风险甄别能力,能够有效的推动中国银行业完善银行治理结构,对改革中的中国银行业有重要的战略意义。目前国内外对于外资持股与商业银行绩效的研究较为丰富,但并未得出一致的结论,经过分析,本文认为,造成结论差异的原因主要源于以下几个方面:一、大多数研究忽视了政策制度的影响,在时间段的选取上存在差异;二、不同的研究对银行绩效的度量指标选取标准不同。本文认为经过整合财务指标的分析方法会抵消指标的真实影响,但单一的财务指标也不能全面反映企业的经营状况,因此本文选择以多个财务指标对商业银行绩效进行度量;三、研究的估计方法不同,银行变量大多存在较为严重的内生性,造成了实证结果的差异,为了确保结论的准确性,本文选取两阶段工具变量回归的估计方法进行实证分析。本文选取了我国十六家上市商业银行2006-2013年的A股银行数据,在控制潜在内生性和其他变量的影响下,讨论外资持股比例对商业银行绩效的影响,通过分析外资持股在商业银行的股权结构、公司治理及市场竞争方面的影响,提出本文假设,继而实证研究外资持股对我国商业银行绩效影响,并在此基础上,结合商业银行经营原则,进一步检验外资持股对商业银行的安全性和流动性的影响,因此得出符合商业银行经营原则的绩效影响结论,并在此基础上分析我国商业银行绩效在引入外资进程中可能存在的一些现状和问题。结合实证研究的结论,本文认为在现阶段,我国商业银行引进外资态度较为理性,能够在与外国投资者建立合作伙伴关系的同时,积极改善自身的公司治理,提高经营绩效。
[Abstract]:With the rapid development of the global economic environment, the continuous advancement of China's reform and opening up process, the deepening of the reform of the financial system, the environment facing the commercial banking industry of our country is constantly changing, and the commercial banks of our country are operating and managing. The international and historical experience shows that the introduction of foreign capital can help our commercial banks better adapt to the international financial environment. A large number of studies show that foreign ownership can bring advanced management technology transfer and risk screening ability, and can effectively promote the improvement of banking governance structure in China. It is of great strategic significance to the reform of China's banking industry. At present, the research on foreign ownership and commercial bank performance is abundant at home and abroad, but there is no consistent conclusion. The reasons for the difference are mainly from the following aspects: first, most studies ignore the influence of policy and system, and there are differences in the selection of time periods; second, Different studies have different criteria for the measurement of bank performance. This paper argues that the analysis method of integrated financial indicators will offset the real impact of the indicators, but a single financial index can not fully reflect the business situation of the enterprise. Therefore, this paper chooses a number of financial indicators to measure the performance of commercial banks. Third, the estimation methods of the study are different, most of the bank variables have more serious endogeneity, resulting in the difference of empirical results, in order to ensure the accuracy of the conclusions. This paper selects the two-stage instrumental variable regression estimation method to carry on the empirical analysis. This paper selects 16 listed commercial banks in China from 2006 to 2013, under the control of potential endogenous and other variables, This paper discusses the influence of the proportion of foreign ownership on the performance of commercial banks, analyzes the influence of foreign ownership on the ownership structure, corporate governance and market competition of commercial banks, and puts forward the hypothesis of this paper. On the basis of the empirical study on the effect of foreign ownership on the performance of commercial banks in China, combined with the management principles of commercial banks, the paper further examines the impact of foreign ownership on the security and liquidity of commercial banks. Therefore, the paper draws the conclusion that the performance of commercial banks is in line with the operating principles of commercial banks, and on this basis analyzes the current situation and problems that may exist in the process of introducing foreign capital into the performance of commercial banks in China. This paper holds that at the present stage, Chinese commercial banks have a rational attitude towards introducing foreign capital and can actively improve their corporate governance and business performance while establishing a partnership with foreign investors.
【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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