城市商业银行跨区域经营收益与风险研究

发布时间：2018-04-28 15:43

本文选题：城市商业银行 + 跨区域经营　；参考：《华南理工大学》2014年硕士论文

【摘要】：从2006年开始我国部分城市商业银行先后推行跨区域经营发展道路，跨区域经营的收益和风险成为值得研究的问题。本文围绕城市商业银行跨区域经营收益和风险两个方面展开研究，选取2006-2012年24家城市商业银行作为样本，收集相关经营指标数据研究我国城市商业银行跨区域经营后的收益和风险变化及原因。在收益方面，通过对城市商业银行跨区域经营后总体情况的变化进行描述以及对本、异地分支机构之间的相关业务指标进行对比结果发现:城市商业银行跨区域经营后，在资产增速、资产质量、盈利能力方面均取得较快发展，城市商业银行异地分支机构在贷款和利润方面对总行做出了巨大贡献，部分大型城市商业银行异地经营大有赶超总行所在地的趋势。在风险方面，选取不良贷款率（RNPL）作为衡量风险的指标，在省外分行数量、经营地区经济差异、贷款集中度、核心资本充足率等变量的基础上，研究了跨区域经营对风险的影响。实证结果表明，，资产规模较大的城市商业银行可以通过省外设立分支机构以及在经济发展水平差异较大的地区经营有效降低不良贷款率风险，而资产规模较小的城市商业银行盲目扩张则会增加不良贷款率的风险。因此不能笼统地说城市商业银行是否应当跨区域经营，要根据不同银行的实际情况找准市场定位，采取不同的发展道路。
[Abstract]:Since 2006, some city commercial banks of our country have implemented the road of trans-regional management and trans-regional management. The benefits and risks are worth studying. This paper focuses on the cross-regional operating income and risk of urban commercial banks, and selects 24 urban commercial banks as samples from 2006 to 2012. This paper studies the change of income and risk of urban commercial banks in China after cross-regional operation by collecting relevant management index data. In terms of income, through the description of the overall situation of urban commercial banks after cross-regional operation, as well as the comparison of the relevant business indicators among the local branches, it is found that: after the cross-regional operation of urban commercial banks, In terms of asset growth, asset quality and profitability, urban commercial banks have made great contributions to their loans and profits. Some large-scale commercial banks in different locations have a tendency to catch up with and surpass the location of the head office. In the aspect of risk, the non-performing loan ratio (RNPL) is chosen as the index to measure the risk. Based on the variables such as the number of branches outside the province, the regional economic difference, the degree of loan concentration and the ratio of core capital adequacy, the influence of cross-regional operation on risk is studied. The empirical results show that urban commercial banks with large assets can effectively reduce the risk of non-performing loans by setting up branches outside the province and operating in areas with different economic development levels. Urban commercial banks with small assets will increase the risk of non-performing loan ratio by expanding blindly. Therefore, it is not possible to say in general whether the city commercial banks should operate across regions, but to find out the market orientation according to the actual situation of different banks and adopt different development paths.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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