基于跨区域发展视角的城市商业银行效率研究

发布时间：2018-03-31 19:38

本文选题：城市商业银行　切入点：方向距离函数　出处：《重庆大学》2014年硕士论文

【摘要】：处于经济转型期的我国，金融改革不断深化，金融体系逐步健康繁荣，，商业银行作为我国金融体系的核心支柱，其发展将影响整个国民经济。银行的效率能够反映出银行自身的产出能力、资源的配置能力以及市场的核心竞争力，在推动经济结构化，促进区域协调发展，改善民生等方面发挥积极作用。近年来城市商业银行在全面化解历史风险的基础上，不断提高经营管理水平并转变业务发展方式，大力推进产品和科技的创新，其发展取得了显著的成效，已成为金融发展中继5大国有商业银行、12家全国股份制银行之后的第三大队伍，是我国银行系统的重要组成部分。随着资产质量和风险管理能力的提高，为应对更加激烈的市场竞争，以中小企业为主体客户的城市商业银行加快了改革创新的步伐：市场整合持续推进，越来越多的城市商业银行获得了跨区域经营资格，通过设立异地分支机构以期占据更大市场份额。银行业的竞争日趋激烈，城市商业银行面临提高综合竞争力以获得可持续发展的生存压力，对其效率的评价可以综合体现银行内部管理水平、资源配置能力以及成本控制能力等方面的整体状况，因此有效评价跨区域经营是否对城市商业银行经营层面的效率具有持续改善作用就显得尤为必要。本文从对银行效率分析入手，对城市商业银行跨区域经营的发展历程进行了回顾，总结出当前城市商业银行在跨区域经营进程的发展现状，选取共41家国有、股份制和城市商业银行作为研究样本，以其2007-2012年间的经营情况作为研究内容，以存款作为各年度间的联系变量，采用网络DEA理论模型，测算出银行各年的效率值，以此评价和分析各银行的效率变化。通过对国有银行、全国股份制银行、城市商业银行的经营效率进行对比分析，探讨影响我国银行效率的因素所在，同时运用Mann-Whitney非参数检验对城市商业银行跨区域发展战略能否有效改善经营效率进行检验分析，研究结果发现城市商业银行跨区域发展对银行效率有一定的促进作用，但也存在风险隐患，提出我国城市商业银行在实施跨区域发展过程中避免盲目扩张、实行差异化的跨区域经营、完善风险控制体系等相关建议，以促进我国银行业的改革与创新。
[Abstract]:In the period of economic transition, with the deepening of financial reform and the healthy and prosperous financial system, commercial banks are the core pillars of our financial system. Its development will affect the whole national economy. The efficiency of the bank can reflect the output ability of the bank itself, the allocation ability of the resources and the core competitiveness of the market, which can promote the structuralization of the economy and promote the coordinated development of the region. We will play an active role in improving the people's livelihood. In recent years, on the basis of comprehensively defusing historical risks, city commercial banks have continuously improved their management level, changed their business development mode, and vigorously promoted the innovation of products and science and technology. The development of urban commercial banks has achieved remarkable results. It has become the third largest group of 12 national joint-stock banks after the financial development relay 5 state-owned commercial banks. It is an important part of China's banking system. With the improvement of asset quality and risk management ability, In order to cope with the more fierce market competition, the city commercial banks with small and medium-sized enterprises as the main customers have quickened the pace of reform and innovation: market integration continues to advance, and more and more urban commercial banks have obtained cross-regional business qualifications. By setting up branches in other places in order to occupy a larger market share, urban commercial banks are facing the pressure of survival to improve their comprehensive competitiveness in order to achieve sustainable development, and the competition in the banking sector is becoming increasingly fierce. The evaluation of its efficiency can comprehensively reflect the overall situation of the bank's internal management level, resource allocation ability and cost control ability, etc. Therefore, it is necessary to evaluate whether cross-regional operation can improve the efficiency of urban commercial banks. Starting with the analysis of bank efficiency, this paper reviews the development course of cross-regional operation of urban commercial banks, summarizes the current development situation of urban commercial banks in the process of cross-regional operation, and selects 41 state-owned banks. Taking stock system and city commercial bank as the research sample, taking the operation of the bank from 2007 to 2012 as the research content, taking the deposit as the contact variable between the years, and adopting the network DEA theory model, the paper calculates the efficiency value of the bank in each year. By comparing and analyzing the operating efficiency of state-owned banks, national joint-stock banks and urban commercial banks, the paper discusses the factors that affect the efficiency of banks in China. At the same time, the Mann-Whitney non-parametric test is used to test and analyze whether the cross-regional development strategy of urban commercial banks can effectively improve the management efficiency, and the results show that the cross-regional development of urban commercial banks has a certain role in promoting the efficiency of banks. However, there are some hidden risks, such as avoiding blind expansion, implementing differentiated cross-regional management and perfecting risk control system in the process of implementing cross-regional development of urban commercial banks in China. In order to promote China's banking reform and innovation.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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