中国政策性银行效率问题实证研究

发布时间：2018-05-13 21:23

本文选题：政策性银行 + 效率　；参考：《天津财经大学》2014年硕士论文

【摘要】：我国一共有三家政策性银行,都在1994年先后成立。它们在配合国家宏观经济政策、贯彻执行经济计划、使我国的产业结构进行优化、推动了经济发展方面做出了突出的贡献。但是,随着国内金融形势不断变化,加上他们本身存在固有的一些问题,如资本金不足、业务范围和界限模糊、内部机制不完善等,政策性银行固有的运行方式已经会阻碍它们的可持续发展,必须要进行改革。所以需要对政策性银行的效率进行研究,发现它的效率低下的原因,为政策性银行改革提供重要的依据。但是目前国内学者在对我国政策性银行效率问题研究的较少,而且大多是跟商业银行相似的模型,但是由于政策性银行独特的经营模式与“保本微利”的宗旨,并不适合使用用于商业银行效率的模型。这篇文章通过Malmquist TFP指数模型对2003-2012年的数据进行研究,从整体和个体对其背后的原因进行了深入地分析,并且研究了十年银行效率的变化趋势。结果表明,在我国三大政策性银行中,中国进出口银行效率的年平均增长率最大,中国农业发展银行次之,国家开发银行最后。这是因为国家开发银行的职责和业务范围决定了它更容易受到国内形势的影响,2008年金融危机对经济的打击、自然灾害的贫乏,导致国家开发银行的效率大降。最后这篇文章结合实证结果,提出了提高我国政策性银行效率的建议,根据自身的特点决定转型路线,银行外部要完善立法体系,内部要补充资本金、降低资金成本、扩宽业务范围、加强内部控制、完善公司治理结构,为我国经济发展奉献自己更大的作用。
[Abstract]:There are three policy banks in China, all of which were established in 1994. They have made outstanding contributions to the national macroeconomic policy, to carry out the economic plan, to optimize the industrial structure of our country and to promote the economic development. However, with the changing domestic financial situation and their inherent problems, such as inadequate capital, blurred business scope and boundaries, imperfect internal mechanisms, etc. The inherent operation of policy banks has hindered their sustainable development and must be reformed. Therefore, it is necessary to study the efficiency of policy banks and find out the causes of their inefficiency, which provides an important basis for the reform of policy banks. However, at present, domestic scholars have done little research on the efficiency of policy-oriented banks in China, and most of them are similar to commercial banks. However, due to the unique business model of policy-oriented banks and the purpose of "keeping capital at a low profit", It is not suitable to use the model for commercial bank efficiency. This paper studies the data of 2003-2012 by Malmquist TFP index model, analyzes the reasons behind it from the whole and the individual, and studies the changing trend of bank efficiency in the past ten years. The results show that among the three policy banks in China, the annual average growth rate of the efficiency of the Export-Import Bank of China is the largest, followed by the Agricultural Development Bank of China and the China Development Bank. This is because the role and scope of the China Development Bank determines that it is more vulnerable to the domestic situation. The 2008 financial crisis hit the economy and the poverty of natural disasters led to a great decline in the efficiency of the China Development Bank. Finally, based on the empirical results, this paper puts forward some suggestions to improve the efficiency of China's policy banks. According to their own characteristics, the transformation route is determined. The banks should improve the legislative system outside, replenish capital and reduce the cost of capital. Expand the scope of business, strengthen internal control, improve the corporate governance structure, contribute to the economic development of our own greater role.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3

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