我国商业银行的市场结构对绩效的影响研究

发布时间：2018-01-23 01:13

本文关键词： 商业银行市场结构绩效 SCP范式　出处：《浙江大学》2014年硕士论文　论文类型：学位论文

【摘要】：2013年,十八届三中全会顺利召开,“发挥市场在资源配置中的决定作用”这一观点被高调的提出,这表明了中国政府简政放权,让位于市场,服务于市场,依托于市场的坚定决心与勇气；2013年,互联网思维席卷着整个中国,其影响力并不亚于意大利的文艺复兴运动,传统的金融业态势和格局受到强烈的冲击。利率市场化的最后一步——存款利率的放开,也在稳步的推进着,银行业的利差收窄,流动性偏紧。在这样一个时点上研究商业银行市场结构对绩效的影响具有积极的现实意义。本文对商业银行的市场结构指标中的市场份额、市场集中度、差异化和行业进出壁垒进行了研究,着重从存贷款市场、中间业务市场的市场份额和市场集中度来分析我国商业银行在不同市场上的市场结构表现。从盈利性、流动性、风险性三个方面对商业银行的绩效进行了研究。并构建了综合绩效指标体系,并以综合指标为被解释变量对市场结构与绩效的关系进行了实证分析,结果表明,在我国商业银行的不同细分市场上,市场结构对绩效的影响存在着差异,在存贷款市场上,市场份额和市场集中度与绩效正相关,而在中间业务市场上,市场份额和市场集中度与绩效成负相关。所以在存贷款市场上,大型商业银行具有竞争优势,能利用其市场力量获取高额利润,但这种优势会随着我国利率市场化进程的不断深入和新兴互联网金融的冲击而逐渐减弱；在中间业务市场上,大型商业银行的垄断地位给商业银行的绩效造成了负面影响,所以商业银行业应该要加大业务转型,提高差异化优势、重点发展中间业务以降低中间业务市场的集中度,提高商业银行的整体绩效。
[Abstract]:In 2013 the third Plenary Session of the 18th CPC Central Committee, successfully held the "play a decisive role of the market in resource allocation this view is put forward that the high-profile, China government decentralization, let the market, service market, firm determination and courage on the market; 2013, Internet thinking is sweeping across the China, its influence is not less than the Renaissance Italy, the traditional financial industry trend and pattern has a strong impact. The last step of the marketization of interest rate, deposit interest rate liberalization, is steadily advancing, banking spreads narrowed, tight liquidity. In such a point on the effect of market structure of commercial banks on the performance has practical significance positive.
In this paper, the market structure index of commercial banks in the market share, market concentration, differentiation and industry barriers were studied emphatically from the loan market, intermediate business market share and the market concentration of China's commercial banks market structure in different market performance. From the profitability, liquidity. Three the risk of commercial bank's performance. And the construction of the comprehensive performance index system and comprehensive indicators as explanatory variables on the relationship between market structure and performance of the empirical analysis, the results show that the different market segments in China's commercial banks, the difference of influence of market structure on performance there, in the loan market, the market share and the market concentration and performance are positively related, and in the middle of the business market, the market share and the market concentration and performance are negatively correlated. So in the deposit On the market, large commercial banks have a competitive advantage, to obtain high profits by using its market power, but this advantage with the marketization of interest rate deepening and emerging financial impact of the Internet and gradually weakened; in the middle of the business market, the monopoly of large commercial banks to commercial banks' performance negatively so, commercial banks should strengthen business transformation, improve the differentiation advantage, focus on the development of intermediary business in order to reduce the intermediate business market concentration, improve the overall performance of commercial banks.

【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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