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论文编号：	566
作者编号：	2120062013
上传时间：	2008/6/19 22:09:59
中文题目：	我国商业银行绩效影响因素研究—
英文题目：	A Research on Factors Affectin
指导老师：	李莉
中文关键字：	商业银行绩效 市场结构 股权结
英文关键字：	Performance of Commercial Bank
中文摘要：	商业银行是金融系统的命脉，在国民经济中处于极其重要的战略性地位，从而历来受到各国政府的特殊保护。在我国，银行业的市场垄断尤为明显，计划经济体制下产生的国有四大行占据了银行业市场的绝大份额。随着金融自由化和国际经济一体化的不断发展，我国银行业市场的开放程度和竞争程度也随之不断提高，国有四大行的股改上市基本完成，新兴的股份制银行、城市商业银行在不断的扩大银行业的市场主体，外资银行大规模进入也在给这个领域注入新的竞争元素。商业银行改革和发展的历程向我们展示了我国商业银行市场结构和股权结构不断发展、变化的轨迹，改革和发展这样一个过程最终的目标就是提高我国商业银行的绩效和综合实力。 本文以我国商业银行的改革和发展为背景研究商业银行绩效的影响因素。本文选择商业银行改革所作用的市场结构和股权结构为影响因素，以我国商业银行为研究对象，搜集近7年的数据作为样本，通过SPSS13.0软件对混合数据进行统计回归分析，检验市场结构和股权结构对绩效的影响，从外部因素与内部因素结合的视角，探讨提高银行绩效的途径。 本文首先在引言部分介绍了选题的依据，并对商业银行绩效的影响因素进行了汇总，以商业银行改革为背景，选择改革过程中主要作用的市场结构和股权结构为影响因素进行研究。在引言的引出下，本文回顾了相关理论和国内外研究文献，为接下来的论述奠定理论基础。接着，本文阐述了我国商业银行改革和发展的历程，并对银行改革所作用的市场结构和股权结构的变化进行了分析。在研究设计部份，本文介绍了研究样本选择、实证研究方法、研究模型构建以及指标选取和研究假设几个方面内容，为实证分析作了铺垫。紧接着本文采用因子分析法测度了我国商业银行的绩效，并通过SPSS13.0统计软件对混合数据进行了统计回归，得到了市场结构、股权结构与我国商业银行绩效之间关系的一系列实证结论。最后，本文对整篇文章的研究结论和不足进行了总结，并结合实证分析结果提出了几点提高我国商业银行绩效的建议。 本文的主要研究结论包括： (1)我国商业银行市场集中度与绩效负相关，但不显著。商业银行市场份额与绩效呈倒U型曲线关系，即随着商业银行市场份额的增加，绩效先提高后降低，商业银行存在一个适度的规模使其绩效达到最大值。 (2)我国商业银行前十大股东中国有股比例与绩效显著负相关；前十大股东中社会法人股比例与绩效显著正相关；前十大股东中外资股比例与绩效正相关，但不显著。 (3)我国商业银行第一大股东性质与绩效显著正相关；从股权集中角度分析，前n大股东的持股比例与我国商业银行的绩效呈倒U型曲线关系，即随着股权集中度的提高，商业银行绩效先增后减，但是该结论的显著性需要进一步检验。 (4)我国商业银行股权流通性与绩效正相关，但不显著。
英文摘要：	Commercial banks are the lifeblood of the financial system. They are in the strategic position in the national economy. So they have always been subject to the Government's special protection. In our country, the four state-owned commercial banks monopolize the banking market. The character of monopolization is very obvious. With the financial liberalization and international economic integration, the banking market of China has improved the opening extent and competition degree. The four state-owned commercial banks have reformed and come into the capital market. The joint-stock commercial banks and urban commercial banks have become the principal part in the banking market. Foreign banks have come into China, which makes the market more competitive. The reform and development of china’s banking market give us a scene that the market structure and shareholding structure have changed greatly. The ultimate goal is to improve the performance of China's commercial banks. Based on the reformation of commercial bank, this paper chose the influential factors of performance in China’s commercial banks to research. This paper took the market structure and shareholding structure which are determined by the reformation of commercial bank as the influential factors, and used the statistical software SPSS13.0 to analyze the mixed data of commercial banks and nearly seven years, and researched the effect of performance from market structure and shareholding structure. From the external factors and internal factors, the paper discussed the way to improve the performance. First，this paper introduced the problem which is to be researched, and summarized all the influential factors of performance, and based on the reformation of commercial bank, this paper chose the market structure, shareholding structure to research. Then this paper reviewed the relevant theory and research literature at home and abroad, as the theoretical foundation for next chapter. Then, this paper expounded the reform and development of China's commercial bank, and analyzed the changes in the market structure and shareholding structure. In the part of research designing, the paper introduced the sample selection, empirical research methods, model construction, selection of indicators, as well as research assumptions. After that, this paper used the Factor Analysis to evaluate the performance of China’s commercial banks. Then through statistical software SPSS13.0, the paper made statistical regression with the mixed data, and got a series of empirical conclusions about the relationship between the market structure, shareholding structure and the performance. Finally, this paper made a conclusion and a summary of inadequate, and gave a number of proposals to improve the performance of China's commercial banks. The main conclusions of this paper include: (1) The correlation between the market concentration and performance is negative, but doesn’t prominent. The correlation between the market share and performance is similar to an inverted U-shaped curve. That means there is a moderate scale which enables commercial banks to achieve maximum performance. (2) The correlation between the proportion of state owner in top ten shareholders and performance is negative; the correlation between the proportion of social corporation and performance is positive; the correlation between the proportion of foreign investors and performance is positive, but doesn’t prominent. (3) The nature of the largest shareholder has positive correlation with the performance. But from the point of shareholding concentration, the correlation between the proportion of top 5 shareholders or the top 10 shareholders or the largest shareholder and the performance is similar to an inverted U-shaped curve, but does not prominent. (4) The negotiability of the shareholding has positive correlation with the performance, but does not prominent.
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