本文選題：商業(yè)銀行 + 經(jīng)營(yíng)效率　； 參考：《遼寧大學(xué)》2014年博士論文

【摘要】：在經(jīng)濟(jì)金融全球化的國(guó)際背景下，金融業(yè)的對(duì)外開放和融入國(guó)際社會(huì)的程度也進(jìn)一步加深。商業(yè)銀行是金融體系的重要經(jīng)濟(jì)主體，其經(jīng)營(yíng)和發(fā)展不僅要受到全球化背景的影響，而且其經(jīng)營(yíng)績(jī)效的結(jié)果關(guān)系到國(guó)民經(jīng)濟(jì)發(fā)展的命脈。而對(duì)商業(yè)銀行業(yè)績(jī)?cè)u(píng)價(jià)逐漸集中在效率研究上，銀行業(yè)效率的高低將會(huì)直接影響我國(guó)整個(gè)金融體系的運(yùn)行效率，而且也會(huì)對(duì)經(jīng)濟(jì)運(yùn)行的有效性和經(jīng)濟(jì)資源的最終配置效率產(chǎn)生影響。近年來金融界和學(xué)術(shù)界已將對(duì)商業(yè)銀行效率的研究視為一個(gè)重點(diǎn)課題，研究?jī)?nèi)容包括：我國(guó)商業(yè)銀行效率的現(xiàn)狀如何？影響我國(guó)商業(yè)銀行效率的因素有哪些？應(yīng)該如何提升我國(guó)商業(yè)銀行的經(jīng)營(yíng)效率？這些都是我國(guó)銀行業(yè)面臨的一系列問題，而本文正是從這些問題出發(fā)，從銀行效率測(cè)度和影響效率因素兩個(gè)角度對(duì)我國(guó)商業(yè)銀行進(jìn)行研究。 在借鑒國(guó)內(nèi)外研究成果的基礎(chǔ)上，本文的研究從以下幾個(gè)方面展開：（1）根據(jù)目前銀行效率研究的主流方向——前沿效率視角，對(duì)銀行經(jīng)營(yíng)效率進(jìn)行界定，并給出經(jīng)營(yíng)效率測(cè)度的非參數(shù)方法。然后依此對(duì)我國(guó)2007至2012年商業(yè)銀行的經(jīng)營(yíng)效率測(cè)度，并分析了銀行的投入冗余和產(chǎn)出不足問題，以及銀行規(guī)模與經(jīng)營(yíng)效率的關(guān)系分析。（2）在近幾年關(guān)于如何提高我國(guó)銀行效率的討論熱潮中，產(chǎn)權(quán)結(jié)構(gòu)和市場(chǎng)結(jié)構(gòu)是兩個(gè)重要因素。而這兩個(gè)關(guān)鍵因素對(duì)銀行經(jīng)營(yíng)效率產(chǎn)生影響時(shí)并不是相互獨(dú)立的，產(chǎn)權(quán)結(jié)構(gòu)對(duì)銀行所產(chǎn)生的激勵(lì)約束作用與市場(chǎng)結(jié)構(gòu)所形成的行業(yè)競(jìng)爭(zhēng)性有關(guān)；競(jìng)爭(zhēng)性的市場(chǎng)結(jié)構(gòu)可以促進(jìn)產(chǎn)權(quán)結(jié)構(gòu)的完善，壟斷性的市場(chǎng)結(jié)構(gòu)則限制產(chǎn)權(quán)結(jié)構(gòu)的作用發(fā)揮。因此本文基于雙重視角將產(chǎn)權(quán)結(jié)構(gòu)和市場(chǎng)結(jié)構(gòu)結(jié)合起來分析其對(duì)銀行經(jīng)營(yíng)效率的影響。（3）銀行在內(nèi)部經(jīng)營(yíng)上存在個(gè)體差異，，從而其經(jīng)營(yíng)效率也會(huì)產(chǎn)生不同，本文從實(shí)證上也考慮了內(nèi)部結(jié)構(gòu)因素對(duì)銀行經(jīng)營(yíng)效率的影響。（4）在上述實(shí)證研究結(jié)果的基礎(chǔ)上從宏觀經(jīng)濟(jì)環(huán)境、市場(chǎng)競(jìng)爭(zhēng)環(huán)境、產(chǎn)權(quán)激勵(lì)約束環(huán)境以及銀行經(jīng)營(yíng)的內(nèi)部結(jié)構(gòu)上提出提升我國(guó)銀行經(jīng)營(yíng)效率的政策建議。 在研究方法上，本文將定性分析與定量分析相結(jié)合，多方面多視角分析經(jīng)營(yíng)效率的影響因素以求對(duì)我國(guó)銀行經(jīng)營(yíng)效率進(jìn)行全面的研究，并在以下方面進(jìn)行了創(chuàng)新：（1）在對(duì)銀行經(jīng)營(yíng)效率測(cè)度時(shí)，將風(fēng)險(xiǎn)因素考慮在內(nèi)，體現(xiàn)銀行與一般企業(yè)的不同。（2）對(duì)銀行經(jīng)營(yíng)效率的影響因素分析時(shí)，采用了一個(gè)新的分析框架，首先利用DEA一階段效率值分析產(chǎn)權(quán)、市場(chǎng)結(jié)構(gòu)等環(huán)境影響因素對(duì)效率的影響，然后利用三階段DEA模型剔除環(huán)境因素對(duì)銀行經(jīng)營(yíng)效率的影響，對(duì)效率進(jìn)行再測(cè)度，進(jìn)而考慮商業(yè)銀行內(nèi)部經(jīng)營(yíng)因素對(duì)效率的影響，這與其他研究中直接對(duì)影響因素作回歸分析是不同的。
[Abstract]:In the international background of economic and financial globalization, the degree of financial industry opening to the outside world and integration into the international community has also deepened. Commercial bank is an important economic subject in the financial system. Its operation and development are not only affected by the background of globalization, but also the result of its management performance is related to the lifeblood of national economic development. On the other hand, the performance evaluation of commercial banks is gradually focused on the study of efficiency, and the efficiency of the banking industry will directly affect the operational efficiency of the entire financial system of our country. It will also have an impact on the efficiency of economic operation and the final allocation of economic resources. In recent years, the research on the efficiency of commercial banks has been regarded as a key topic in the financial and academic circles. The research contents include: what is the current situation of the efficiency of commercial banks in China? What are the factors that affect the efficiency of commercial banks in China? How to improve the operational efficiency of commercial banks in China? These are a series of problems faced by China's banking industry, and this paper studies the commercial banks of our country from the perspective of the measurement of bank efficiency and the factors affecting efficiency. On the basis of the domestic and foreign research results, this paper starts the research from the following aspects: 1) according to the mainstream direction of bank efficiency research-frontier efficiency perspective, the paper defines the banking operation efficiency. The nonparametric method for measuring the operational efficiency is also given. Then the paper measures the operational efficiency of commercial banks in China from 2007 to 2012, and analyzes the problems of input redundancy and insufficient output of banks. Analysis of the relationship between Bank size and Operation efficiency in recent years, property right structure and market structure are two important factors in the discussion of how to improve banking efficiency in China. However, these two key factors are not independent of each other when they affect the efficiency of bank management. The incentive and restraint effect of property right structure on banks is related to the industry competitiveness formed by market structure. The competitive market structure can promote the perfection of the property right structure, while the monopoly market structure limits the function of the property right structure. Therefore, this paper combines the property right structure with the market structure to analyze the influence of the property right structure and the market structure on the operation efficiency of the banks. (3) there are individual differences in the internal management of the banks, so the operating efficiency of the banks will also be different. This paper also considers the influence of internal structure factors on the efficiency of bank management. (4) on the basis of the above empirical research results, from the macroeconomic environment, market competition environment, In terms of the incentive and constraint environment of property right and the internal structure of bank management, some suggestions are put forward to improve the efficiency of bank management in China. In terms of research methods, this paper combines qualitative analysis with quantitative analysis, and analyzes the influencing factors of operational efficiency from many aspects and multiple perspectives in order to conduct a comprehensive study on the operational efficiency of banks in China. And in the following aspects of innovation: 1) when measuring the operational efficiency of banks, taking risk factors into account and reflecting the differences between banks and ordinary enterprises, we adopt a new analytical framework. Firstly, the paper analyzes the effect of environmental factors such as property right, market structure and other environmental factors on efficiency by using DEA one-stage efficiency value. Then, the three-stage DEA model is used to eliminate the environmental factors' influence on the efficiency of banks, and then to re-measure the efficiency. And then consider the influence of internal management factors on efficiency, which is different from other studies in the direct regression analysis of influencing factors.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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