金融监管对银行绩效的影响研究：台湾经验及对大陆的启示

发布时间：2019-01-06 09:38

【摘要】：随着国际金融市场发展的日益深入,金融监管对商业银行绩效的影响也越发明显。当前,金融监管对中国商业银行绩效影响问题的深入研究,已经成为金融体系深化改革,实现金融业可持续发展的关键环节。关于商业银行绩效与金融监管关系的研究,不仅有助于商业银行的监管部门对目前银行业的绩效水平作出准确判断,还可以进一步完善及补充中国外商业银行绩效研究的理论及方法,实现社会资源的有效配置与优化,促进商业银行发展模式的转变及中国银行业的可持续发展。本文在借鉴国际金融监管发展模式和银行绩效考察具体实践的基础上,重点考察台湾地区金融监管与银行绩效的内在关系,通过理论分析和大量的实证检验证明台湾地区银行业之金融监管、银行特征和控制变量对于银行绩效表现水平之间的影响关系。最后,结合台湾地区经验,对中国银行业的绩效现状和金融监管问题进行了深度剖析,并有针对性的提出加快中国金融监管改革、提升商业银行绩效水平的有效策略。首先,本文系统研究了金融监管影响银行绩效的理论基础,接着重点考察国际金融监管规范的演进,并深入探析了金融监管与商业银行绩效之间的金融机构层次性变化,着力寻求能够符合当前银行业发展趋势的实践基础和理论框架。其次,本文探讨了台湾地区银行业在实施金融监管规范下,分析各项金融监管指标银行特征指标与银行绩效之间的关联性,通过具体现状的分析,结合数据建立模型,运用实证说明台湾地区银行业绩效的具体变化特点。最后,本文借鉴台湾地区金融监管与商业银行绩效变化的相关经验,重点考察大陆地区商业银行绩效特征与金融监管的发展现状,强调金融监管与商业银行绩效间存在的问题,并在此基础上提出在大陆金融监管领域推进改革的具体方向和亟需采取的相关措施。
[Abstract]:With the development of international financial market, the influence of financial supervision on the performance of commercial banks becomes more and more obvious. At present, the in-depth study on the impact of financial supervision on the performance of Chinese commercial banks has become a key link in deepening the reform of the financial system and realizing the sustainable development of the financial industry. The research on the relationship between the performance of commercial banks and financial supervision is not only helpful for the regulators of commercial banks to make an accurate judgment on the current performance level of the banking industry, It can further improve and supplement the theory and method of the performance research of foreign commercial banks in China, realize the effective allocation and optimization of social resources, and promote the transformation of the development mode of commercial banks and the sustainable development of the Chinese banking industry. On the basis of the development model of international financial supervision and the practice of bank performance inspection, this paper focuses on the internal relationship between financial supervision and bank performance in Taiwan. Through theoretical analysis and a large number of empirical tests, this paper proves the influence of financial supervision, banking characteristics and control variables on the performance of banks in Taiwan. Finally, based on the experience of Taiwan, the paper makes a deep analysis of the current situation of China's banking performance and financial supervision, and puts forward some effective strategies to accelerate the reform of China's financial supervision and improve the performance of commercial banks. First of all, this paper systematically studies the theoretical basis of financial supervision affecting bank performance, and then focuses on the evolution of international financial regulatory norms, and probes into the financial institution hierarchy changes between financial regulation and commercial bank performance. Focus on seeking the practical basis and theoretical framework that can accord with the current trend of banking development. Secondly, this paper discusses the correlation between banking characteristics and bank performance under the implementation of financial supervision standards in Taiwan's banking industry. Through the analysis of specific status quo, combined with the data to establish a model. Using empirical evidence to illustrate the specific characteristics of the performance of the banking industry in Taiwan. Finally, based on the relevant experience of financial supervision and commercial bank performance change in Taiwan, this paper focuses on the characteristics of commercial bank performance and the development of financial supervision in mainland China, emphasizing the problems between financial supervision and commercial bank performance. On the basis of this, the paper puts forward the specific direction of promoting the reform in the field of financial supervision in mainland China and the relevant measures urgently needed to be taken.
【学位授予单位】：天津财经大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F832.7

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