城市商业银行股权结构与绩效关系及作用机制研究

发布时间：2018-12-12 21:49

【摘要】：中国城市商业银行的股权结构具有明显的地方政府直接或通过一致行动人参股的特点,研究这种股权结构与银行绩效之间的关系及其作用机制具有重要意义。本文以2006—2010年间我国非上市城市商业银行为样本,从样本银行网站和金融时报采集数据,设置虚拟变量,构建多元回归模型,实证分析了地方政府、地方融资平台与地方城市商业银行的股权结构、信贷结构、绩效关系及传导机制。本文认为,从短期看,地方城市商业银行背靠政府这一特殊股东,有利于保证其初始成长。但因为地方政府可能出于地方利益和官位升迁的特殊考虑,存在掏空地方城市商业银行的欲望和能力,因此从长期看,应当改变地方政府对城商行的控制局面。同时,要拓宽地方政府融资渠道,完善融资平台运行机制,保证融资平台的还款来源,控制地方金融风险。
[Abstract]:The ownership structure of Chinese city commercial banks has obvious characteristics of local governments directly or through concerted action to participate in shares. It is of great significance to study the relationship between this ownership structure and bank performance and its mechanism of action. This paper takes the commercial banks of unlisted cities in China from 2006 to 2010 as a sample, collects data from sample bank websites and financial times, sets up virtual variables, constructs multiple regression models, and analyzes the local governments empirically. The equity structure, credit structure, performance relationship and transmission mechanism between local financing platform and local city commercial banks. This paper holds that, in the short term, the local city commercial banks rely on the government as a special shareholder to ensure their initial growth. But because the local government may have the desire and ability to empty the local city commercial bank out of the special consideration of the local interests and the promotion of the official position, therefore, in the long run, the local government should change the situation of controlling the city commercial bank. At the same time, it is necessary to broaden the financing channels of local governments, improve the operating mechanism of financing platforms, ensure the repayment sources of financing platforms, and control local financial risks.
【作者单位】：北京航空航天大学经济管理学院金融系;北京航空航天大学经济管理学院;浙江商业银行宁波分行;
【基金】：国家自然科学基金项目(编号:70973007) 教育部人文社科研究项目(编号:09YJA630006)的资助
【分类号】：F832.33;F224

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