城市商业银行跨区域经营的绩效与风险分析

发布时间：2018-06-27 09:32

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

【摘要】：本文收集城市商业银行2006-2012年跨区域经营数据,通过计量回归分析,对城市商业银行跨区域经营的绩效与风险问题进行了实证研究,结果发现,城市商业银行跨区域经营程度的提高在能够增加银行的经营绩效并降低银行的风险水平。本文的结论能够为城市商业银行的发展战略提供经验支持,也为监管政策提供理论依据和建议。本文的创新点在于收集更全面的样本并构建新的跨区域经营指标,更好地拟合城市商业银行跨区域程度,进行更精确的实证研究；通过研究政治和地域因素在跨区域经营中对银行绩效与风险的影响,更完善地分析了跨区域经营中政府与地域文化所产生的作用；通过研究美国州银行跨区域经营的历史,分析州银行跨区域经营的特点,为城市商业银行的跨区域经营得出借鉴与启示。
[Abstract]:This paper collects the cross-regional management data of urban commercial banks from 2006 to 2012, and by means of econometric regression analysis, makes an empirical study on the performance and risk of cross-regional operation of urban commercial banks. The results show that, The improvement of cross-regional management degree of urban commercial banks can increase the performance of banks and reduce the risk level of banks. The conclusion of this paper can provide empirical support for the development strategy of city commercial banks, and also provide theoretical basis and suggestions for supervision policy. The innovation of this paper is to collect more comprehensive samples and construct new cross-regional management indicators, better fit the cross-regional degree of urban commercial banks, and carry out more accurate empirical research. By studying the influence of political and regional factors on bank performance and risk, this paper makes a more perfect analysis of the role of government and regional culture in cross-regional operation, and studies the history of cross-regional operation of American State Bank. This paper analyzes the characteristics of state banks' cross-regional operation, and draws lessons for the cross-regional management of city commercial banks.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F831.2;F832.3

【引证文献】