基于SCP视角下我国银行卡产业效率研究

发布时间：2018-01-01 05:34

本文关键词：基于SCP视角下我国银行卡产业效率研究　出处：《中国海洋大学》2014年硕士论文　论文类型：学位论文

【摘要】：银行业是国家进行宏观调控的关键媒介，，作为银行新兴子产业的银行卡产业也在蓬勃发展。自1985年我国发行第一张银行卡开始，我国的银行卡产业以迅猛的态势不断发展：银行卡的年发卡量激增，交易额也呈爆发式增长，银行卡的产业链不断延伸且规模得到扩大。作为商业银行重要负债业务之一，银行卡业务现已渗透到经济、社会各个层面。但是我国银行卡产业相比于国外较为发达的国家而言还处于初级阶段，产业总体效率较低，有待进一步提高发展。如何提高该产业的市场化竞争程度及整体盈利能力、优化产业效率已经成为我国各发卡银行亟需解决的问题。由此，本文在SCP范式理论指导下，首先对我国银行卡产业的总体情况进行定性分析；通过测算市场份额、CR4和HHI等结构指标，判断得出银行卡产业的市场结构处于寡头垄断阶段，并且呈现向垄断竞争过渡的趋势；运用博弈论的思想，从价格行为、非价格行为角度出发，筛选典型代表样本并对我国这些发卡企业的市场行为进行剖析，基于银行卡业务收入等关键性指标，同时构建了以典型发卡企业为主体的研究对象集，对我国银行卡产业的市场绩效进行细化研究。其次，本文借鉴银行业效率的研究经验，利用三阶段DEA模型对我国银行卡产业的技术效率、纯技术效率和规模效率进行实证测度。原因在于相较于传统一阶段DEA模型，三阶段DEA在中间测算过程中剔除了发卡机构外部因素的影响，同时解决了传统DEA模型内在缺陷问题，有效规避了传统DEA模型易受随机误差干扰的问题，提高了发卡单位经营管理效率的测算精度。其中，在第一阶段DEA模型中，模型以机构发卡量和自助设备投放量为投入指标，银行卡业务手续费及佣金收入为输出变量；在第二阶段SFA回归过程中，提取了发卡机构所有权属性、发卡年限、营业网点数及企业规模等环境变量，在对这些指标整合的基础上，利用上文所述模型进行数值回归；而在第三阶段，基于第二阶段的回归结果对初始阶段的投入指标进行进行调整，并利用修正后的投入指标和初始阶段的产出变量再次进行DEA效率值测度，并得到最终结果。测算结果显示：当前我国银行产业效率较低，但从长期而言呈现上升趋势，且中小股份制发卡行的效率明显高于四大国有发卡行；在剔除环境变量和随机误差影响后，所得到的实证结果与初始阶段测算得到的效率值显著不同，其中，针对技术效率、规模效率指标，第三阶段测算得到的效率值低于第一阶段的测度结果，但就纯技术效率而言，第三阶段的测度数值要高于第一阶段的纯技术效率结果。最后，本文基于SCP范式框架结构，从市场结构、市场行为和市场绩效三个角度出发，分别对我国银行卡产业效率问题进行研究，在模糊分析思想指导下，利用灰色关联度模型分别对市场结构与产业效率、市场绩效与产业效率的内在关联机制进行定量分析，依据模型的测算，得到上述指标之间综合关联程度并对其数值的大小进行对比分析；在实证研究的基础上，从有效竞争机构的构建、产业法律法规的健全、受理环境的优化、银行卡产品的创新等层面，对我国银行卡产业的发展提出相关政策建议以期实现我国银行卡产业效率的有效提升。
[Abstract]:The banking industry is the key media of national macro-control, as emerging industry bank bank card industry is also booming. Since 1985, China issued the first bank card, with the rapid trend of development of China's bank card industry: bank card annual card volume surge in trading volume also showed explosive growth the bank card, continue to extend the industrial chain and the scale has been expanded. As one of the important business of commercial bank debt, bank card business has penetrated into every aspect of social economy, the country. But China's bank card industry compared with foreign countries more developed in terms of the overall efficiency is still in the initial stage, the industry is relatively low, needs to be further improved. How to improve the market competition degree and overall profitability, optimize the efficiency of the industry has become China's commercial banks need to solve the problem.
Therefore, with the guidance of SCP paradigm theory, firstly analyzes the overall situation of China's bankcard industry; through the calculation of market share, CR4 and HHI structure index, determine the market structure of bank card industry is oligopoly and monopolistic competition stage, showing the trend of transition; using game theory. From the perspective of price behavior, non price behavior, analyzes the selection of typical representative sample of China and these enterprises issuing market behavior, the bank card business income and other key indicators based on the constructed research object with the typical issuing enterprises as the main body of the set, detailed study of China's bank card industry's market performance.
Secondly, the research on the basis of the experience of banking efficiency, the technical efficiency of China's banking card industry by using three stage DEA model, an empirical measure of pure technical efficiency and scale efficiency. The reason is compared to the traditional DEA model, three stage DEA excluding the impact of external factors in the middle of the issuer during the calculation process, at the same time to solve the traditional DEA model of internal defects, effectively avoid the traditional DEA model is subject to random error interference, improve the measurement accuracy of management efficiency of issuing units. Among them, in the first stage of the DEA model, the model with agency issuance and self-service equipment quantity as the input indicators, the business of the bank card fee and commission income as output variables; in the second stage SFA regression process, extract the issuer ownership attribute, the issuing period, the number of outlets and enterprise scale on the environmental variables. Based on the integration of these indicators, numerical regression using the above model; and in the third stage, the second stage regression input index of the initial stages were adjusted based on the initial stage and the use of input indicators and modified output variables again in DEA efficiency value measure and calculation to get the final result. The results showed that the efficiency of China's banking industry is relatively low, but in the long term upward trend, and the efficiency of small and medium-sized joint-stock banks was significantly higher than that of the four major state-owned banks; influence in eliminating environmental variables and random errors, efficiency is the empirical results and estimates the value of initial stage were significantly different, among them, according to the technical efficiency, scale efficiency index, efficiency third stage calculation value is lower than the measurement results in the first stage, but the pure technical efficiency measure, the third phase of the number The value is higher than the pure technical efficiency result of the first stage.
Finally, this paper based on SCP paradigm framework, from the three aspects of market structure, market behavior and market performance of studied China's bank card industry efficiency problem in fuzzy analysis, guiding ideology, using grey relational model of market structure and industry efficiency, quantitative analysis of internal mechanism of market performance and the efficiency of the industry, according to the model estimates, the above index between comprehensive correlation degree and the values were analyzed; on the basis of empirical research, from the construction of effective competition mechanism, industry laws and regulations, environment optimization, bank card product innovation and other aspects, and puts forward relevant policy suggestions in order to effectively enhance the efficiency of China's bankcard industry for the development of China's bank card industry.

【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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