【摘要】：城市商業(yè)銀行作為銀行業(yè)一部分，是在城市信用社基礎(chǔ)上建立起來的。但隨著近些年城市商業(yè)銀行的迅速發(fā)展，以及我國監(jiān)管機構(gòu)解除跨區(qū)域經(jīng)營限制，大多數(shù)城市商業(yè)銀行都走上了區(qū)域擴張的道路。在這過程中，城市商業(yè)銀行暴露出了很多問題。例如，，區(qū)域協(xié)調(diào)困難、在區(qū)域擴張中人才和資源供給不足等。為此，論文主要探討城市商業(yè)銀行在進行跨區(qū)域經(jīng)營后效率是否得到了提升？哪些因素影響城市商業(yè)銀行的效率？ 首先，本文利用數(shù)據(jù)包絡(luò)分析法DEA對進行跨省建立分支機構(gòu)的13家城市商業(yè)銀行跨區(qū)域經(jīng)營前后各三年的效率進行了測算。結(jié)果發(fā)現(xiàn)，無論是銀行的技術(shù)效率、還是銀行的純技術(shù)效率和規(guī)模效率，13家樣本銀行整體上都是在效率提升的時候進行了跨區(qū)域經(jīng)營。它們在跨區(qū)域經(jīng)營第一年效率得到了提升，第二年隨即出現(xiàn)下降，而且隨著跨區(qū)域經(jīng)營時間越長，其效率下降趨勢越明顯。 其次，不同地域的城市商業(yè)銀行在進行跨區(qū)域經(jīng)營前后表現(xiàn)出不同的效率變化。我們對樣本銀行按其總部所屬地分為東部、中部和西部三組，分別考察了其跨區(qū)域經(jīng)營效率變化情況。結(jié)果發(fā)現(xiàn)，東部城市商業(yè)銀行在跨區(qū)域經(jīng)營后效率整體上是下降的，而中部和西部城市商業(yè)銀行在跨區(qū)域經(jīng)營后效率卻在上升。因此，本人利用Tobit模型進行回歸分析，探討影響城市商業(yè)銀行有關(guān)進行跨區(qū)域經(jīng)營效率提升的因素。結(jié)果發(fā)現(xiàn)，城市商業(yè)銀行效率與不良貸款余額、成本收入比呈負相關(guān)關(guān)系，與管理費用、利潤總額呈正相關(guān)關(guān)系。 最后，根據(jù)以上分析并借鑒美國跨州經(jīng)營中有關(guān)提升效率的經(jīng)驗，對如何提升我國城市商業(yè)銀行跨區(qū)域經(jīng)營效率提出了一些可行的建議。如城市商業(yè)銀行要控制不良貸款余額、控制成本收入比、提高管理水平等，還可以利用并購等方式提升自身效率，在進行在跨區(qū)經(jīng)營時不可盲目擴張，否則會因管理水平低導(dǎo)致效率下降。
[Abstract]:As a part of banking, urban commercial banks are established on the basis of urban credit cooperatives. However, with the rapid development of urban commercial banks in recent years and the release of trans-regional management restrictions by our country's regulators, most urban commercial banks have embarked on the road of regional expansion. In this process, city commercial banks exposed a lot of problems. For example, regional coordination difficulties, in regional expansion in the supply of talent and resources, and so on. Therefore, this paper mainly discusses whether the efficiency of urban commercial banks has been improved after the cross-regional operation. What factors affect the efficiency of urban commercial banks? First of all, this paper uses DEA to measure the efficiency of 13 urban commercial banks before and after trans-regional operation. The results show that both the technical efficiency of the bank and the pure technical efficiency and scale efficiency of the bank are all cross-regional operation when the efficiency is improved. Their efficiency has been improved in the first year of cross-regional operation, and then decreased in the second year, and with the longer the cross-regional operation time, the more obvious the trend of efficiency decline. Secondly, city commercial banks in different regions show different efficiency changes before and after cross-regional operation. The sample banks are divided into three groups according to their headquarters: eastern, central and western. The results show that the efficiency of urban commercial banks in the eastern part of China is decreasing after the cross-regional operation, while the efficiency of the central and western city commercial banks is rising after the cross-regional operation. Therefore, I use Tobit model to make regression analysis to explore the factors that affect the efficiency of cross-regional management in urban commercial banks. The results show that the efficiency of urban commercial banks is negatively correlated with the balance of non-performing loans and the ratio of cost to income, and is positively correlated with the management expenses and total profits. Finally, based on the above analysis and the experience of improving the efficiency of cross-state operation in the United States, some feasible suggestions on how to improve the efficiency of cross-regional operation of urban commercial banks in China are put forward. For example, city commercial banks should control the balance of non-performing loans, control the ratio of cost to income, improve the management level and so on. They can also improve their own efficiency by means of mergers and acquisitions. Otherwise, the efficiency will be reduced because of the low level of management.
【學(xué)位授予單位】：西南民族大學(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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