本文選題：中小銀行 + 績(jī)效��； 參考：《江西財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：截止2011年末，我國(guó)有股份制商業(yè)銀行12家，，郵政儲(chǔ)蓄銀行1家，城市商業(yè)銀行144家，農(nóng)村商業(yè)銀行212家，農(nóng)村合作銀行190家，農(nóng)村信用社2,265家，中小銀行數(shù)量不斷增加。隨著銀行類金融改革的不斷深入，中小銀行的市場(chǎng)份額也在不斷提高，已經(jīng)成為我國(guó)銀行類金融機(jī)構(gòu)的重要組成部分。現(xiàn)階段，伴隨著國(guó)有大型商業(yè)銀行股權(quán)改制的成功以及外資銀行準(zhǔn)入條件放松，中小銀行同時(shí)面臨著來自國(guó)有大型商業(yè)銀行及外資銀行的雙重競(jìng)爭(zhēng)壓力，中小銀行怎么樣尋找到自己的定位，提高經(jīng)營(yíng)績(jī)效，繼續(xù)發(fā)揮自身優(yōu)勢(shì)，已經(jīng)成為我國(guó)銀行業(yè)的關(guān)鍵問題。 鑒于以上原因，本文對(duì)我國(guó)中小銀行進(jìn)行了研究，試圖尋找影響中小銀行績(jī)效的具體因素。首先對(duì)國(guó)內(nèi)外的已有文獻(xiàn)進(jìn)行了梳理，分別從財(cái)務(wù)、市場(chǎng)結(jié)構(gòu)、銀行規(guī)模、股權(quán)結(jié)構(gòu)等方面進(jìn)行分類整理。接著對(duì)我國(guó)中小銀行現(xiàn)狀進(jìn)行分析，包括中小銀行的成立意義，發(fā)展過程，現(xiàn)狀及面臨的問題等等，分析發(fā)現(xiàn)我國(guó)中小銀行的市場(chǎng)份額近幾年正在逐步提高，風(fēng)險(xiǎn)控制能力不斷變強(qiáng)，但同時(shí)也面臨著許多問題。在此基礎(chǔ)上，文章從宏觀、中觀、微觀分別闡述中小銀行經(jīng)營(yíng)績(jī)效的影響因素，以各層面影響因素為基礎(chǔ)最終建立起影響因素指標(biāo)體系，為下一步實(shí)證分析做好了準(zhǔn)備。實(shí)證部分運(yùn)用了因子分析與多元回歸分析相結(jié)合的方法，以10家中小銀行為樣本，收集整理了2007至2011年各樣本的相關(guān)數(shù)據(jù)，首先對(duì)微觀因素進(jìn)行因子分析，成功降維后，將公共因子與宏觀、中觀指標(biāo)一起與銀行績(jī)效指標(biāo)（ROE）進(jìn)行多元回歸。實(shí)證結(jié)果表明銀行的風(fēng)險(xiǎn)控制、銀行的資產(chǎn)質(zhì)量、銀行的盈利能力以及銀行的發(fā)展?jié)摿εc銀行的經(jīng)營(yíng)績(jī)效有著很強(qiáng)的相關(guān)關(guān)系，這幾個(gè)方面是影響我國(guó)中小銀行經(jīng)營(yíng)績(jī)效的主要原因，同時(shí)實(shí)證還發(fā)現(xiàn)我國(guó)中小銀行經(jīng)營(yíng)績(jī)效所受銀行效率、宏觀經(jīng)濟(jì)因素、存款準(zhǔn)備金率影響不大。針對(duì)以上分析與研究，本文最后提出了若干條建議，包括完善中小銀行的公司治理結(jié)構(gòu)；提高中小銀行的人力資源管理；提高中小銀行的金融創(chuàng)新能力；努力拓展中間業(yè)務(wù)；進(jìn)一步加強(qiáng)風(fēng)險(xiǎn)控制等。
[Abstract]:By the end of 2011, there were 12 joint-stock commercial banks, 1 postal savings bank, 144 urban commercial banks, 212 rural commercial banks, 190 rural cooperative banks, 2265 rural credit cooperatives, and the number of small and medium-sized banks was increasing. With the deepening of banking financial reform, the market share of small and medium-sized banks is also increasing, which has become an important part of banking financial institutions in China. At present, with the success of the stock right reform of large state-owned commercial banks and the relaxation of access conditions for foreign banks, small and medium-sized banks are also facing the double competitive pressure from large state-owned commercial banks and foreign banks. How to find their own position, improve their operating performance, and continue to play their advantages has become the key issue in China's banking industry. In view of the above reasons, this paper studies the small and medium-sized banks in China and tries to find out the specific factors that affect the performance of the small and medium-sized banks. Firstly, the existing literature at home and abroad is sorted out from the aspects of finance, market structure, bank size, equity structure and so on. Then it analyzes the current situation of the small and medium banks in China, including the significance of the establishment of the small and medium-sized banks, the development process, the present situation and the problems faced, and finds that the market share of the small and medium-sized banks in our country is gradually increasing in recent years. The ability of risk control is becoming stronger and stronger, but at the same time, it also faces many problems. On this basis, the paper expounds the influencing factors of the performance of small and medium-sized banks from the macro, meso and micro aspects, and finally establishes the index system of the influencing factors on the basis of the influencing factors at all levels, which is the preparation for the next empirical analysis. The empirical part uses the method of factor analysis and multiple regression analysis, taking 10 small and medium-sized banks as samples, collecting and arranging the relevant data of each sample from 2007 to 2011. Firstly, factor analysis of micro factors is carried out, and then the dimension is reduced successfully. Public factors and macro-and meso-indicators are combined with ROEs to carry out multivariate regression. The empirical results show that bank risk control, bank asset quality, bank profitability and bank development potential have strong correlation with bank operating performance. These aspects are the main reasons that affect the performance of the small and medium-sized banks in China. At the same time, it is found that the bank efficiency, the macroeconomic factors and the reserve ratio have little effect on the performance of the small and medium-sized banks in China. In view of the above analysis and research, this paper finally puts forward some suggestions, including perfecting the corporate governance structure of small and medium-sized banks, improving the human resource management of small and medium-sized banks, improving the ability of financial innovation of small and medium-sized banks, striving to expand intermediate business; Further strengthen risk control.
【學(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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