本文關(guān)鍵詞：上市商業(yè)銀行經(jīng)營效率測度評價及優(yōu)化途徑研究　出處：《福建農(nóng)林大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 上市商業(yè)銀行 經(jīng)營效率 數(shù)據(jù)包絡(luò)分析 Tobit回歸 影響因素

【摘要】：金融是當(dāng)代經(jīng)濟(jì)發(fā)展的核心因素,經(jīng)營效率高低是商業(yè)銀行綜合競爭力的集中體現(xiàn)。2003年9月,黨中央、國務(wù)院決定按照“建立規(guī)范的公司治理結(jié)構(gòu),轉(zhuǎn)換經(jīng)營機(jī)制,成為產(chǎn)權(quán)清晰、資本充足、內(nèi)控嚴(yán)密、運(yùn)營安全、服務(wù)與效益良好、具有國際競爭力的現(xiàn)代商業(yè)銀行”的目標(biāo),對國有商業(yè)銀行實(shí)施股份制改革。2003年來,國務(wù)院加快了對銀行體系改革的步伐,通過股份制改革、完善公司治理制度、引進(jìn)境外戰(zhàn)略投資者、強(qiáng)化風(fēng)險管理、促進(jìn)聯(lián)合和重組等措施促進(jìn)國有商業(yè)銀行發(fā)展,主要目的就是深化商業(yè)銀行體制改革,剝離國有商業(yè)銀行不良資產(chǎn),改革多元化產(chǎn)權(quán)制度,提升國有商業(yè)銀行的經(jīng)營效率。本文在對國內(nèi)外商業(yè)銀行績效評價研究現(xiàn)狀的基礎(chǔ)上,總結(jié)當(dāng)前研究存在的主要不足和缺陷。本文第二部分主要對商業(yè)銀行經(jīng)營效率測度理論進(jìn)行梳理；第三部分介紹當(dāng)前國內(nèi)上市商業(yè)銀行經(jīng)營效率現(xiàn)狀,并從宏觀經(jīng)濟(jì)環(huán)境、中觀行業(yè)環(huán)境以及微觀個體因素三個方面分析可能影響上市商業(yè)銀行經(jīng)營效率的因素,解釋產(chǎn)權(quán)的股份制改造對于經(jīng)營效率的影響；第四部分主要介紹商業(yè)銀行穩(wěn)健經(jīng)營遵循的目標(biāo)原則,基于投入和產(chǎn)出的角度分析當(dāng)前商業(yè)銀行經(jīng)營存在的問題,并提出針對性的對策建議；第五部分首先解釋商業(yè)銀行經(jīng)營效率測度評價數(shù)據(jù)包絡(luò)分析方法,選取2005-2010年15家上市商業(yè)銀行經(jīng)營投入和產(chǎn)出指標(biāo)的面板數(shù)據(jù)進(jìn)行實(shí)證分析；第六部分主要依據(jù)經(jīng)營效率測度評價結(jié)果作為托賓回歸模型的因變量,選取銀行規(guī)模、經(jīng)營保障程度、盈利能力、存貸資產(chǎn)配置、業(yè)務(wù)創(chuàng)新能力、內(nèi)部治理情況、宏觀經(jīng)濟(jì)環(huán)境、中觀行業(yè)外部環(huán)境、人力資源情況、產(chǎn)權(quán)性質(zhì)以及年份數(shù)據(jù)為自變量進(jìn)行商業(yè)銀行經(jīng)營效率影響因素實(shí)證分析。文章第七部分提出以下幾點(diǎn)建議改善優(yōu)化商業(yè)銀行經(jīng)營效率：(1)加強(qiáng)內(nèi)部控制體系建設(shè)完善費(fèi)用預(yù)算控制提升盈利能力；(2)依靠內(nèi)部控制制度規(guī)范化經(jīng)營避免操作風(fēng)險和合規(guī)風(fēng)險；(3)通過積極營銷制定優(yōu)惠利率政策,適當(dāng)提高貸款資產(chǎn)比例；(4)依靠良好金融服務(wù)品質(zhì)適當(dāng)控制吸收存款規(guī)模避免高昂存款成本；(5)重視人才的引進(jìn)與培養(yǎng),提升員工的知識技能水平；(6)繼續(xù)深化商業(yè)銀行產(chǎn)權(quán)股份制改革完善現(xiàn)代公司企業(yè)治理制度。
[Abstract]:Finance is the core factor of contemporary economic development, and the level of management efficiency is the concentrated embodiment of the comprehensive competitiveness of commercial banks. In September 2003, the CPC Central Committee and the State Council decided to establish a standardized corporate governance structure. The transformation of management mechanism has become the goal of modern commercial banks with clear property rights, sufficient capital, tight internal control, safe operation, good service and benefit, and international competitiveness. Since 2003, the State Council has accelerated the pace of the reform of the banking system, improved the corporate governance system and introduced foreign strategic investors through the reform of the joint-stock system. Strengthen the risk management, promote the combination and reorganization and other measures to promote the development of state-owned commercial banks, the main purpose is to deepen the reform of the commercial bank system, stripping off the bad assets of state-owned commercial banks, and reform the diversified property rights system. Improve the operational efficiency of state-owned commercial banks. This paper on the basis of domestic and foreign commercial banks performance evaluation research status quo. The second part of this paper mainly reviews the theory of operational efficiency measurement of commercial banks; The third part introduces the current operational efficiency of listed commercial banks in China, and analyzes the factors that may affect the efficiency of listed commercial banks from three aspects: macroeconomic environment, intermediate industry environment and micro individual factors. Explain the influence of the share-holding system reform of the property right on the management efficiency; The 4th part mainly introduces the objective principle of commercial bank's steady operation, analyzes the problems existing in the current commercial bank's operation based on the angle of input and output, and puts forward some countermeasures and suggestions. The 5th part first explains the commercial bank management efficiency measurement evaluation data envelope analysis method. From 2005 to 2010, the panel data of 15 listed commercial banks' operating input and output index were selected for empirical analysis. The 6th part is mainly based on the evaluation results of management efficiency as the dependent variables of Tobin regression model, select the size of the bank, the degree of business security, profitability, deposit and loan assets allocation, business innovation ability. Internal governance, macroeconomic environment, the external environment of the meso industry, human resources. This paper makes an empirical analysis of the influencing factors of commercial banks' operating efficiency based on the property right nature and the year data as independent variables. Part 7th of the article puts forward the following suggestions to improve and optimize the management efficiency of commercial banks: 1). Strengthen the construction of internal control system and improve the cost budget control to enhance profitability; (2) to rely on the standardized operation of internal control system to avoid operational risk and compliance risk; (3) formulating preferential interest rate policies through active marketing to appropriately increase the proportion of loan assets; (4) relying on the quality of good financial services to properly control the scale of deposit absorption to avoid high deposit costs; (5) attach importance to the introduction and training of talents and improve the knowledge and skills of employees; Continue to deepen the reform of property rights of commercial banks and improve the modern corporate governance system.
【學(xué)位授予單位】：福建農(nóng)林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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