我国城市商业银行规模扩张与多元化经营研究

发布时间：2018-05-26 12:23

本文选题：城市商业银行 + 规模扩张　；参考：《南开大学》2014年博士论文

【摘要】：随着金融改革和金融市场化的不断推进,我国城市商业银行实现了令人瞩目的增长速度。我国城商行之间有着类似的成立背景和成立方式,但随着十几年的发展,不同城商行之间的发展出现明显差别,城商行的规模扩张能否实现经营绩效以及管理能力的提升,成为各界关注的重点。从规模扩张的方式来看,多元化经营,即地理多元化和业务多元化成为城商行扩张的重要手段,而这两种行为同样存在一定的争议。本文以多元化经营为研究视角,采用理论分析和实证分析相结合的研究方法,对城商行规模扩张进行深入研究,并分别讨论不同的多元化经营的形式对城商行经营绩效的影响。最后,结合本文的研究结论,本文提出相应的政策建议。首先,本文从规模经济的角度考察我国城商行规模扩张的效果,从规模经济的实证结果看,我国城商行整体上处于规模经济的范围内,通过规模扩张能够降低平均成本,提高经营绩效。但是,有部分规模较大的城商行已超出规模经济的范围,无法通过规模扩张获取额外的收益。另外,本文从经营效率的角度,检测了城商行规模扩张能否提高其经营管理能力。结果显示,城商行规模扩张并没有提高其经营管理能力,但有几种特殊扩张类型表现出不同的效果,特别是已上市的城商行经营效率明显高于其他城商行,而通过资产重组实现快速扩张的城商行经营绩效则明显低于其他城商行。其次,跨区域经营,即地理多元化是城商行扩张的重要手段,由于准入门槛的存在,城商行初次设立异地分支机构受制于自身规模和经营状况,但随着管制的进一步放松,城商行扩大跨区域经营范围更多的取决于自身规模和资本水平,而与经营状况关系不大。从跨区域经营的效果看,城商行跨区域经营程度越高,越有助于提升其经营绩效,表现为提高盈利能力和降低经营风险。另外,本文从经济和金融发展水平的角度考察地区选择对城商行经营绩效影响,在总部所在地方面,经济和金融发展水平越高越有助于降低经营风险,经济发展水平越高对提升盈利能力更为明显；在跨区域经营地区选择方面,异地分支机构地区的经济和金融发展水平越高,越有助于其提升其盈利能力,同时,经济发展水平越高,越有利于城商行降低经营风险,金融发展则无法提高城商行对经营风险的控制能力。最后,随着近几年跨区域经营管制的收紧,业务多元化,特别是资产和资金来源业务的多元化成为城商行资产负债表扩张的重要手段。以往商业银行多元化经营研究多集中在收入多元化,本文首先检验城商行收入多元化对经营绩效的影响,结果发现,增加以中间业务收入为代表的非利息收入能够显著提升城商行的经营绩效,即提升盈利能力和降低经营风险。其中,收入多元化对提升中小城商行的盈利能力更为明显,而规模较大的城商行通过收入多元化降低经营风险的效果更为显著。随后,本文检验资产和资金来源多元化对城商行经绩效的影响,结果发现,城商行资产和资金来源多元化水平越高,城商行盈利能力越差,越不利于降低经营风险。从不同规模城商行比较来看,规模越大的城商行越有能力降低资产和资金来源多元化业务带来的不利影响。
[Abstract]:With the development of financial reform and financial marketization , the urban commercial banks in our country have achieved remarkable growth rate . With the development of more than ten years , the development of city commercial banks has become more and more important .

First , from the perspective of scale economy , this paper investigates the effect of the expansion of urban and commercial banks in our country . From the empirical results of scale economy , it is possible to reduce the average cost and improve the performance of operation . However , there are some types of large - scale urban and commercial banks which have been beyond the scope of scale economy .

Second , cross - regional management , namely , geographical diversification is an important means of the expansion of urban and commercial banks . Because of the existence of the access threshold , the higher the regional business scope of the urban and commercial banks depends on the scale and the capital level , but it is not related to the operating condition . In addition , the higher the economic and financial development level , the higher the economic and financial development level can help to reduce the operational risk , the higher the economic and financial development level , the higher the economic and financial development level is , the higher the economic and financial development level is , the higher the profitability of the city is higher .
The higher the economic and financial development level , the higher the economic and financial development level , the higher the level of economic development , the higher the economic development level , the higher the economic development level , the more favorable for the urban and commercial banks to reduce the operational risk , and the financial development cannot improve the control ability of the urban and commercial banks to the operational risk .

Finally , with the tightening of trans - regional operation control over the past few years , diversification of business diversification , especially the diversification of assets and fund sources , has become an important means of the expansion of the balance sheet .
【学位授予单位】：南开大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F832.33

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