我国上市银行资本结构与经营绩效关系研究

发布时间：2018-03-04 08:06

本文选题：上市银行　切入点：资本结构　出处：《北京林业大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着2006年底我国全面开放金融市场,我国银行业面临着日益激烈的全球竞争,思考如何在激烈的竞争中立足并保持可持续发展,对我国上市银行而言尤为重要。上市银行的经营绩效是银行竞争力的集中体现,本文的研究目的是分析上市银行的资本结构如何影响其经营绩效,从而探讨通过优化我国上市银行资本结构提高其经营绩效的对策。商业银行作为经营货币的特殊性企业,资本结构具有不同于一般企业资本结构的特点。本文首先对原有文献的研究方法和研究结果进行了分析和总结,接下来介绍了与资本结构和经营绩效相关的基础理论。在此基础上,主要从核心资本、附属资本以及资本充足性三个方面来分析我国上市银行资本结构的现状；从资产的盈利性、成长性、安全性、流动性四个方面来分析上市银行经营绩效的现状。本文采用净资产收益率、不良贷款率和资产流动性比率作为衡量我国上市银行经营绩效的指标,采用第一大股东持股比例、前五大股东持股比例和、已上市流通股、第一大股东性质、附属资本占总资本比例、权益资本占总资本比例、资本充足率和资产规模作为衡量上市银行资本结构的指标。本文选取了我国16家上市银行2008-2010年的相关数据,建立多元线性回归模型,用Eviews软件进行统计分析。通过对三个相关方程进行回归分析,结合实证检验结果,对如何通过优化上市银行资本结构来提高其经营绩效进行探讨。
[Abstract]:With the full opening of financial market in end of 2006, China's banking industry is facing increasingly fierce global competition, thinking about how to base itself on and maintain sustainable development in the fierce competition. The management performance of listed banks is the concentrated embodiment of bank competitiveness. The purpose of this paper is to analyze how the capital structure of listed banks affects their operating performance. Therefore, the paper probes into the countermeasures to improve the management performance of listed banks by optimizing their capital structure. The capital structure of commercial banks is different from that of common enterprises. Firstly, this paper analyzes and summarizes the research methods and results of the original literature. Then it introduces the basic theories related to capital structure and operating performance. On this basis, it analyzes the current situation of capital structure of listed banks in China from three aspects: core capital, subsidiary capital and capital adequacy. This paper analyzes the current situation of listed banks' operating performance from four aspects: profitability, growth, security and liquidity. The non-performing loan ratio and the asset liquidity ratio are used as indicators to measure the operating performance of listed banks in China. The proportion of the largest shareholders, the proportion of the first five major shareholders and the proportion of listed circulating shares, the nature of the first largest shareholder, are adopted as the indicators for measuring the operating performance of the listed banks in China. The ratio of subsidiary capital to total capital, the proportion of equity capital to total capital, the capital adequacy ratio and the scale of assets are taken as indicators to measure the capital structure of listed banks. This paper selects the relevant data of 16 listed banks in China from 2008 to 2010, establishes a multivariate linear regression model, and makes a statistical analysis with Eviews software. Through regression analysis of the three relevant equations, combined with the empirical test results, This paper discusses how to optimize the capital structure of listed banks to improve their business performance.
【学位授予单位】：北京林业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3;F224

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