我国城市商业银行股权结构与经营绩效的实证研究
发布时间：2019-06-05 20:01
【摘要】：20世纪90年代中期，国家为了解决城市信用社在发展过程中暴露的诸多问题，决定在此基础上组建城市商业银行。其主要任务是为地方经济和中小企业提供金融支持。经过二十年的发展，城市商业银行已经成为中国银行业体系中具有较强的市场意识和创新能力的群体，在促进国民经济发展过程中发挥着重要作用。商业银行的经营绩效不仅关系到自身的生存和发展，，而且对金融资源的优化配置也会产生重要影响。然而，与大中型商业银行相比，城市商业银行的经营绩效还存在明显的差距，究其原因，股权结构不合理是重要因素之一。虽然许多城市商业银行也都建立起了公司制的法人治理结构，但股权结构的不合理在一定程度上制约了公司治理机制效用的发挥，直接影响城市商业银行经营绩效的提高。在此背景下，本文以城市商业银行为主体，对其股权结构与经营绩效的关系展开研究，试图为城市商业银行优化股权结构、提高经营绩效提供借鉴和参考。 本文首先对股权结构与经营绩效的相关理论进行了论述，具体阐述了股权结构与经营绩效之间的关系。然后，深入分析了我国城市商业银行股权结构的现状及其问题，并从盈利能力、经营增长、资产质量和偿付能力四个方面对其经营绩效进行了分析和评价。在此基础上，通过构建面板数据模型实证分析了股权结构对经营绩效的影响。结合实证结果，文章从着力优化股权集中度、适度调整股权属性结构、适时引进战略投资者和切实加强对股东行为的监管等角度提出了相应的对策建议，以实现城市商业银行经营绩效的不断提升。 文章的创新之处在于：一是以往对银行业的研究主要集中于大型国有商业银行与中型股份制商业银行，而本文选取城市商业银行作为研究主体，具有一定的创新性。二是本文筛选了三十多家城市商业银行2008年到2012年的最新经营数据，代表了各银行的最新发展情况和趋势，使得研究具有更强的时效性。三是通过与中型股份制商业银行的对比，对城市商业银行的经营绩效进行了纵向评价。在后续的研究过程中，笔者从盈利能力、经营增长、资产质量和偿付能力四个方面构建了经营绩效指标体系，并利用层次分析法得到了经营绩效的综合指标，这与已有研究相比也存在不同。
[Abstract]:In the mid-1990s, in order to solve many problems exposed in the development of urban credit cooperatives, the state decided to set up urban commercial banks on this basis. Its main task is to provide financial support for the local economy and small and medium-sized enterprises. After 20 years of development, urban commercial banks have become a group with strong market awareness and innovation ability in the Chinese banking system, and play an important role in promoting the development of the national economy. The operating performance of commercial banks is not only related to their own survival and development, but also has an important impact on the optimal allocation of financial resources. However, compared with large and medium-sized commercial banks, there is still an obvious gap in the operating performance of urban commercial banks. The reason is that the unreasonable ownership structure is one of the important factors. Although many urban commercial banks have also established a corporate governance structure, the unreasonable ownership structure restricts the effectiveness of the corporate governance mechanism to a certain extent, and directly affects the improvement of the operating performance of urban commercial banks. Under this background, this paper takes the city commercial bank as the main body, carries on the research to its ownership structure and the management performance relations, attempts to provide the reference and the reference for the city commercial bank to optimize the ownership structure and improve the management performance. Firstly, this paper discusses the related theories of ownership structure and operating performance, and expounds the relationship between ownership structure and operating performance. Then, the present situation and problems of the ownership structure of urban commercial banks in China are deeply analyzed, and their operating performance is analyzed and evaluated from four aspects: profitability, business growth, asset quality and solvency. On this basis, the impact of ownership structure on operating performance is empirically analyzed by constructing panel data model. Combined with the empirical results, this paper puts forward the corresponding countermeasures and suggestions from the point of view of optimizing the degree of ownership concentration, moderately adjusting the ownership attribute structure, introducing strategic investors at the right time and strengthening the supervision of shareholders' behavior. In order to achieve the continuous improvement of the performance of urban commercial banks. The innovation of this paper lies in: first, the previous research on banking mainly focuses on large state-owned commercial banks and medium-sized joint-stock commercial banks, and this paper selects urban commercial banks as the main body of the research, which is innovative to a certain extent. Second, this paper selects the latest business data of more than 30 urban commercial banks from 2008 to 2012, which represents the latest development and trend of each bank, so that the research has a stronger timeliness. Third, through the comparison with the medium-sized joint-stock commercial banks, the operating performance of the city commercial banks is evaluated vertically. In the process of follow-up research, the author constructs the operating performance index system from four aspects: profitability, business growth, asset quality and solvency, and obtains the comprehensive index of operating performance by using analytic hierarchy process (AHP). This is also different from the existing research.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F271;F275
[Abstract]:In the mid-1990s, in order to solve many problems exposed in the development of urban credit cooperatives, the state decided to set up urban commercial banks on this basis. Its main task is to provide financial support for the local economy and small and medium-sized enterprises. After 20 years of development, urban commercial banks have become a group with strong market awareness and innovation ability in the Chinese banking system, and play an important role in promoting the development of the national economy. The operating performance of commercial banks is not only related to their own survival and development, but also has an important impact on the optimal allocation of financial resources. However, compared with large and medium-sized commercial banks, there is still an obvious gap in the operating performance of urban commercial banks. The reason is that the unreasonable ownership structure is one of the important factors. Although many urban commercial banks have also established a corporate governance structure, the unreasonable ownership structure restricts the effectiveness of the corporate governance mechanism to a certain extent, and directly affects the improvement of the operating performance of urban commercial banks. Under this background, this paper takes the city commercial bank as the main body, carries on the research to its ownership structure and the management performance relations, attempts to provide the reference and the reference for the city commercial bank to optimize the ownership structure and improve the management performance. Firstly, this paper discusses the related theories of ownership structure and operating performance, and expounds the relationship between ownership structure and operating performance. Then, the present situation and problems of the ownership structure of urban commercial banks in China are deeply analyzed, and their operating performance is analyzed and evaluated from four aspects: profitability, business growth, asset quality and solvency. On this basis, the impact of ownership structure on operating performance is empirically analyzed by constructing panel data model. Combined with the empirical results, this paper puts forward the corresponding countermeasures and suggestions from the point of view of optimizing the degree of ownership concentration, moderately adjusting the ownership attribute structure, introducing strategic investors at the right time and strengthening the supervision of shareholders' behavior. In order to achieve the continuous improvement of the performance of urban commercial banks. The innovation of this paper lies in: first, the previous research on banking mainly focuses on large state-owned commercial banks and medium-sized joint-stock commercial banks, and this paper selects urban commercial banks as the main body of the research, which is innovative to a certain extent. Second, this paper selects the latest business data of more than 30 urban commercial banks from 2008 to 2012, which represents the latest development and trend of each bank, so that the research has a stronger timeliness. Third, through the comparison with the medium-sized joint-stock commercial banks, the operating performance of the city commercial banks is evaluated vertically. In the process of follow-up research, the author constructs the operating performance index system from four aspects: profitability, business growth, asset quality and solvency, and obtains the comprehensive index of operating performance by using analytic hierarchy process (AHP). This is also different from the existing research.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F271;F275
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