跨区域扩张对城市商业银行效率影响的实证分析

发布时间：2018-06-01 03:09

本文选题：跨区域扩张 + 城市商业银行　；参考：《哈尔滨商业大学》2017年硕士论文

【摘要】：近年来,随着我国经济的不断发展,城市商业银行已成为我国金融体系的重要组成部分。城市商业银行跨区域经济交流伴随着我国经济的发展和对跨区域扩张管制的放松持续增强,城市商业银行突破原有的单一城市发展模式向总分支行模式发展,在全国范围内掀起了跨区域扩张的浪潮。截止2015年底,我国共有132家城市商业银行,其中约96家在不同程度上实现了跨区域扩张。为有效判断跨区域扩张对城市商业银行经营效率的影响,本文在城市商业银行跨区域扩张的大背景下,选取了我国40家样本城市商业银行2011年至2015年的经营数据,然后利用BCC-DEA和Malmquist生产率指数对城市商业银行的效率从静态和动态两个角度进行测算分析,在此基础上运用面板Tobit模型考察跨区域扩张对城市商业银行效率的影响。本研究首先通过阐述该领域的研究背景及意义,对国内外有关城市商业银行的研究现状、研究方法和分析思路进行评述,并在此基础上提出了本文可能存在的创新与不足。分析和梳理了跨区域扩张与城市商业银行效率关系的理论,主要包括银行效率理论、银行效率测度理论和跨区域扩张所带来的经济效率理论,奠定了本研究的理论基础。对城市商业银行跨区域扩张的现状进行分析,从城市商业银行跨区域扩张的发展历程、扩张模式以及发展现状三个方面分别阐述。通过城市商业银行经营效率实证研究,将BCC-DEA和Malmquist生产率指数结合,从动态和静态两个角度对城市商业银行的效率进行了定量测度,在静态效率方面具体分析了 40家样本城市商业银行技术效率、纯技术效率和规模效率,在动态效率方面就Malmquist生产率指数及其分解结果进行了详细分析。通过构建面板Tobit模型分析了跨区域扩张对银行效率的影响,结果表明我国城市商业银行可以通过跨区域扩张实现银行效率的提升。最后,通过前述几章的研究分析得出相关结论并对城市商业银行的跨区域扩张提供参考意见。综上所述,跨区域扩张对城市商业银行的效率提升具有积极的正向作用,城市商业银行应实施积极的跨区域扩张战略。
[Abstract]:In recent years, with the development of our economy, urban commercial banks have become an important part of our financial system. With the economic development of our country and the relaxation of trans-regional expansion and control, the urban commercial banks break through the single urban development model and develop to the total sub-branch mode. A wave of cross-regional expansion has been launched across the country. Up to the end of 2015, there are 132 urban commercial banks in China, of which 96 have achieved cross-regional expansion to varying degrees. In order to judge the effect of cross-regional expansion on the operational efficiency of urban commercial banks, this paper selects 40 sample urban commercial banks from 2011 to 2015 under the background of cross-regional expansion of urban commercial banks. Then we use BCC-DEA and Malmquist productivity index to measure and analyze the efficiency of urban commercial banks from the static and dynamic aspects, and then use the panel Tobit model to investigate the impact of cross-regional expansion on the efficiency of urban commercial banks. Firstly, the research background and significance of this field are expounded, and the research status, research methods and analysis ideas of urban commercial banks at home and abroad are reviewed. On the basis of this, the possible innovations and shortcomings of this paper are put forward. This paper analyzes and combs the theories of the relationship between cross-regional expansion and the efficiency of urban commercial banks, including the theory of bank efficiency, the theory of measurement of bank efficiency and the theory of economic efficiency brought about by cross-regional expansion, which lays the theoretical foundation of this study. This paper analyzes the current situation of cross-regional expansion of urban commercial banks, and expounds the development course, expansion mode and current situation of cross-regional expansion of urban commercial banks. Based on the empirical study of the operational efficiency of urban commercial banks, this paper combines BCC-DEA and Malmquist productivity index to measure the efficiency of urban commercial banks from the dynamic and static aspects. In the aspect of static efficiency, the technical efficiency, pure technical efficiency and scale efficiency of 40 sample city commercial banks are analyzed in detail. In dynamic efficiency, the Malmquist productivity index and its decomposition results are analyzed in detail. The effect of cross-regional expansion on bank efficiency is analyzed by building panel Tobit model. The results show that urban commercial banks in China can improve bank efficiency through cross-regional expansion. Finally, through the research and analysis of the preceding chapters, the relevant conclusions are obtained and suggestions for cross-regional expansion of urban commercial banks are provided. To sum up, cross-regional expansion plays a positive and positive role in improving the efficiency of urban commercial banks, and urban commercial banks should implement positive cross-regional expansion strategy.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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