本文關(guān)鍵詞：中國商業(yè)銀行市場結(jié)構(gòu)與績效關(guān)系的實證研究　出處：《云南師范大學》2014年碩士論文　論文類型：學位論文

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【摘要】：在金融體制改革的影響下，國有商業(yè)銀行、股份制商業(yè)銀行、地方性商業(yè)銀行、外資銀行以及農(nóng)村合作信用社等不同形式并存的銀行市場格局已形成。近年來我國商業(yè)銀行陸續(xù)上市、股份制商業(yè)銀行相繼成立以及金融領域?qū)ν忾_放的擴張力度也在持續(xù)上升，因此改善本國的商業(yè)銀行市場結(jié)構(gòu)從而改變其高壟斷、低績效的經(jīng)營模式并最終實現(xiàn)較高程度的績效顯得日益重要。所以本文先用不同的計量指標分別研究了本國商業(yè)銀行市場結(jié)構(gòu)和績效水平，然后在此基礎上再對兩者之間的關(guān)系進行回歸分析，最后以實證分析得出的結(jié)果為基礎在符合我國國情的條件下為改進我國商業(yè)銀行的績效水平提出一些建議。 在本文中，分別以SCP理論以及我國2005年-2012年最主要的16家商業(yè)銀行為理論基礎和研究樣本。首先運用CRn指標和HHI指標研究了我國商業(yè)銀行市場結(jié)構(gòu)的現(xiàn)狀和發(fā)展趨勢，結(jié)論是盡管目前我國商業(yè)銀行市場結(jié)構(gòu)仍然處于壟斷地位，但也在逐步朝著壟斷競爭方向深化。然后從中國銀行的盈利能力和運營能力出發(fā)，分別用總資產(chǎn)收益率、總資本收益率和數(shù)據(jù)包絡分析方法分析研究了商業(yè)銀行的績效水平。再以上述分析得出的相關(guān)數(shù)據(jù)為基礎對我國商業(yè)銀行市場結(jié)構(gòu)與績效創(chuàng)建回歸分析模型，探討兩者之間的關(guān)系，，得出的結(jié)果表明：我國商業(yè)銀行市場結(jié)構(gòu)與其盈利能力存在正相關(guān)關(guān)系，與其運營能力存在負相關(guān)關(guān)系，且負相關(guān)關(guān)系更加明顯，這在一定程度上支持了SCP理論。最后，根據(jù)分析得出的結(jié)果，從政府管制、金融監(jiān)管、金融人才、銀行制度等方面提出建議，希望能夠?qū)μ岣呶覈虡I(yè)銀行績效水平具有一定的借鑒意義。
[Abstract]:Under the influence of financial system reform, state-owned commercial banks, joint-stock commercial banks and local commercial banks. Foreign banks and rural cooperative credit cooperatives and other forms of different forms of banking market pattern has formed. In recent years, China's commercial banks have been listed on the market. The joint-stock commercial banks have been established one after another and the opening to the outside world in the financial field is also increasing. Therefore, the market structure of domestic commercial banks has been improved to change their high monopoly. Low performance business model and ultimately achieve a higher level of performance is becoming increasingly important. So this paper uses different measurement indicators to study the market structure and performance level of domestic commercial banks. Then on the basis of the regression analysis of the relationship between the two. Finally, based on the results of empirical analysis, some suggestions are put forward to improve the performance level of commercial banks in China under the conditions in accordance with the national conditions of our country. In this article. Based on the SCP theory and the 16 most important commercial banks from 2005 to 2012, this paper studies the market of commercial banks in China by using CRn index and HHI index. The present situation and development trend of field structure. The conclusion is that although the market structure of Chinese commercial banks is still in a monopoly position, it is gradually deepening towards monopoly competition. Then, it starts from the profitability and operation ability of Chinese banks. Using the total return on assets. The performance level of commercial banks is analyzed by the methods of total capital return and data envelopment analysis. Based on the relevant data obtained from the above analysis, a regression model is established for the market structure and performance of commercial banks in China. The results show that the market structure of commercial banks has a positive correlation with their profitability, and has a negative correlation with their operational ability, and the negative correlation is more obvious. Finally, according to the analysis results, from the government regulation, financial supervision, financial talent, banking system and other aspects of the recommendations. Hope to improve the performance of commercial banks in China has a certain reference significance.
【學位授予單位】：云南師范大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33;F830.42

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