本文選題：國有銀行　切入點：股份制商業(yè)銀行　出處：《中國石油大學（華東）》2013年碩士論文　論文類型：學位論文

【摘要】：商業(yè)銀行是金融領域的重要組成部分，對整個國民經濟的發(fā)展起著重要的支持作用。隨著競爭主體的增多與競爭程度的加劇，我國原有商業(yè)銀行市場結構有所改變。本文就是研究在競爭日趨激烈的金融大環(huán)境下我國商業(yè)銀行市場結構的變化，以及這種變化給各銀行的市場績效帶來的影響，從而進一步確定我國商業(yè)銀行市場結構和市場績效之間的關系。 本文首先介紹了研究背景意義及運用的相關理論，然后利用14家具有代表性的全國性商業(yè)銀行2003-2011年相關數(shù)據對我國商業(yè)銀行市場結構及市場績效進行分析，通過構建計量經濟模型實證地分析了我國商業(yè)銀行市場結構和績效的關系。通過運用Eviews軟件對數(shù)據的分析，得出了我國商業(yè)銀行市場結構和績效之間的相關結論：目前我國商業(yè)銀行的市場結構屬于寡占型；市場績效水平日益提高，，其中股份制商業(yè)銀行比國有商業(yè)銀行具有更高的績效水平；市場結構中市場集中度對我國銀行績效的影響呈現(xiàn)出負相關關系，市場份額對我國銀行市場績效的影響呈現(xiàn)出正相關關系。 最后，根據對我國商業(yè)銀行市場結構和績效的分析結論，提出了優(yōu)化我國商業(yè)銀行市場結構、提高我國商業(yè)銀行績效對策建議：加快商業(yè)銀行并購重組，提升其集團化規(guī)模經營效益；降低銀行業(yè)進出壁壘，在結構優(yōu)化中提升其行業(yè)效益；鼓勵中小銀行發(fā)展，提高銀行業(yè)競爭程度；推進產權改革，以多元化產權結構提升銀行活力。
[Abstract]:Commercial banks are an important part of the financial field and play an important supporting role in the development of the whole national economy. This paper is to study the changes of market structure of commercial banks in China under the increasingly competitive financial environment, and the impact of this change on the market performance of banks. Thus, the relationship between market structure and market performance of commercial banks in China is further determined. This paper first introduces the background significance of the research and related theories, and then uses 14 representative national commercial banks to analyze the market structure and market performance of Chinese commercial banks from 2003 to 2011. This paper empirically analyzes the relationship between market structure and performance of Chinese commercial banks by constructing econometric models, and analyzes the data by using Eviews software. The paper draws the conclusion that the market structure of commercial banks in China is oligopolistic and the level of market performance is improving day by day. The joint-stock commercial banks have a higher level of performance than the state-owned commercial banks, and the influence of market concentration on the performance of Chinese banks shows a negative correlation in the market structure. There is a positive correlation between market share and market performance. Finally, based on the analysis of the market structure and performance of commercial banks in China, the paper puts forward the countermeasures to optimize the market structure of commercial banks in China and to improve the performance of commercial banks in China: speeding up the merger and reorganization of commercial banks. To enhance the efficiency of its collectivized scale operation; to reduce the barriers to entry and exit of the banking sector, and to enhance its industry efficiency in structural optimization; to encourage the development of small and medium-sized banks and to enhance the degree of competition in the banking sector; and to promote property rights reform. To diversify the structure of property rights to enhance the vitality of banks.
【學位授予單位】：中國石油大學（華東）
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33

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