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论文编号：	6136
作者编号：	2120122649
上传时间：	2014/5/31 14:51:51
中文题目：	境外战略投资者引入对我国城商行贷款行为的影响
英文题目：	The effect of foreign strategic investors'''' introduction on China''''s city commercial banks'''' lending behavior
指导老师：	张耀伟
中文关键字：	境外战略投资者城市商业银行；贷款行为
英文关键字：	Foreign strategic investors；City commercial banks；Lending behavior
中文摘要：	摘要随着我国金融改革的深化，在国有银行、股份制银行股份改革之后，作为银行业第三阶队的城市商业银行开始了新一轮的改革。纵观我国城商行发展历程，一直面临公司治理结构不完善、内控制度不健全、业务手段单一、产品创新能力不足、缺乏必要的银行经营管理人才和技能以及巨额不良资产、资本严重不足等发展障碍，为了实现拓展发展空间、实现跨区域发展、提升核心竞争力等要求，越来越多的城市商业银行都步入引进境外战略投资者的队列中。本文以城商行贷款行为作为研究的切入点，选取2006-2012年度22家城市商业银行作为样本，从贷款总量、贷款风险、贷款集中度三个维度对贷款行为进行研究，分别考察境外战略投资者持股比例及其与股权制衡度、股权集中度的交互项对城商行贷款行为所产生的影响。通过实证研究发现，境外战略投资者持股比例增加时，会促进城商行降低贷款资产比和存贷比、降低贷款集中度和贷款风险；股权制衡度会强化境外战略投资者对城商行贷款风险和贷款集中度的作用，而股权集中度会弱化境外战略投资者对城商行贷款风险和贷款集中度的作用。进一步的研究表明，境外战略投资者引入有助于我国城商行提高拨备覆盖率、降低单一最大客户贷款集中度、减少贷款资产比进而降低城商行不良贷款的积累。通过研究表明，一方面我国银监会可以逐步完善相关法制法规，在一定程度上鼓励城商行根据自身战略需要去引入合适的境外战略投资者，提升银行竞争力；另一方面我国城市商业银行应逐步完善自身股权结构，实现股权结构进一步分散化，实现前五大股东间更有效的制衡，提升银行内部治理水平，促进银行内部治理的有效性的提高，进而提高银行贷款决策的科学性。
英文摘要：	Abstract With the deepening of China's financial reform，after the reform of state-owned banks and shareholding commercial banks，city commercial banks，ranking third of the banking，begin a new round of reforms．Reviewing the whole process of development of China's city commercial banks，the city commercial banks are confronted with various developing problems，those including imperfect corporate governance structure and internal control systems、single business means、inadequate product innovation capabilities and management experience、and enormous non-performing assets，serious shortage of capital and so on．In order to expand development space、achieve inter-regional development and enhance core competitiveness，etc．There is increasing number of city commercial banks are trying to introduce foreign strategic investors． This paper choose the lending behavior of city commercial banks as a research starting point and select city commercial banks' data between 2006 and 2012 as a sample to research the lending behavior from the following aspects，which including loan amount，loan risk and loan concentration．In this paper，we investigate the relationship between foreign strategic investors' holding ratio and city commercial banks' lending behavior，as well as regulating impact of the ownership concentration and equity restriction for this relationship． The empirical study found when foreign strategic investors increase their ownership proportion，which helps the city commercial banks to reduce loan amount、 loan risk and loan concentration．Equity balance degree will strengthen the relationship，between overseas strategic investors and city commercial banks，while ownership concentration will weaken the effect that foreign strategic investors have on City Commercial Bank ，which including loan risk and loan concentration ．Further studies showed that foreign strategic investors reduce the accumulation of non-performing loans by improving the provision coverage ratio，reducing the single largest concentration of loans and reducing loan assets ratio．This paper argues that that，on one hand，the China Banking Regulatory Commission can gradually improve the related laws and regulations，which encourages the city commercial banks to introduce appropriate foreign strategic investors according to their own strategic needs，so that they can enhance the competitiveness；on the other hand，the city commercial banks in China should gradually improve own ownership structure and achieve further decentralization of ownership structure，to improve the bank corporate governance level，and make scientific loan decision．
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