【摘要】：金融業(yè)是中國(guó)經(jīng)濟(jì)的晴雨表,直接關(guān)系到國(guó)民經(jīng)濟(jì)的發(fā)展,而銀行業(yè)作為金融業(yè)的主體,直接關(guān)系到金融業(yè)是否健康穩(wěn)定快速發(fā)展。隨著2006年底我國(guó)金融市場(chǎng)的全面開(kāi)放,外資銀行的大量進(jìn)入對(duì)中國(guó)銀行業(yè)帶來(lái)了不小的沖擊,加大了銀行之間的競(jìng)爭(zhēng),迫使銀行業(yè)提高經(jīng)營(yíng)績(jī)效,提升銀行整體競(jìng)爭(zhēng)力。本文主要探討了銀行資本結(jié)構(gòu)與銀行績(jī)效之間的關(guān)系,從而在優(yōu)化資本結(jié)構(gòu)以提高經(jīng)營(yíng)績(jī)效方面提供一些具體建議。 本文以中國(guó)上市16家商業(yè)銀行作為樣本銀行,在國(guó)內(nèi)外學(xué)者的研究基礎(chǔ)上,對(duì)16家上市銀行的資本結(jié)構(gòu)和經(jīng)營(yíng)績(jī)效的現(xiàn)狀進(jìn)行了分析。選取了權(quán)益資本結(jié)構(gòu)和債務(wù)結(jié)構(gòu)中八項(xiàng)指標(biāo)代表銀行資本結(jié)構(gòu),從安全性、盈利性、流動(dòng)性三個(gè)方面對(duì)經(jīng)營(yíng)績(jī)效進(jìn)行衡量。選取了16家上市商業(yè)銀行2012年相關(guān)指標(biāo)數(shù)據(jù),首先利用SPSS軟件和主成分分析法對(duì)被解釋變量提取主成分得出綜合績(jī)效,以綜合績(jī)效作為被解釋變量,資本結(jié)構(gòu)中的8項(xiàng)指標(biāo)作為解釋變量,建立多元線性回歸模型,利用SPSS軟件進(jìn)行面板數(shù)據(jù)回歸。通過(guò)研究表明：資產(chǎn)負(fù)債率對(duì)銀行績(jī)效的相關(guān)性較低,創(chuàng)新性資產(chǎn)占負(fù)債總額比重與銀行績(jī)效呈顯著負(fù)相關(guān)性,前十大股東持股比例和與銀行績(jī)效是顯著的負(fù)相關(guān)。在此基礎(chǔ)上,提出了優(yōu)化我國(guó)上市商業(yè)銀行股權(quán)結(jié)構(gòu)和債務(wù)結(jié)構(gòu)、改善我國(guó)商業(yè)銀行外部環(huán)境的具體建議。以此希望能夠改善中國(guó)商業(yè)銀行的資本結(jié)構(gòu),提高商業(yè)銀行的盈利能力,使中國(guó)商業(yè)銀行能在國(guó)際金融市場(chǎng)上保持競(jìng)爭(zhēng)力。
[Abstract]:The financial industry is the barometer of Chinese economy, which is directly related to the development of the national economy. As the main body of the financial industry, the banking industry is directly related to the healthy, stable and rapid development of the financial industry. With the full opening of China's financial market at the end of 2006, the large number of foreign banks' entry has brought great impact to the Chinese banking industry, increased the competition among banks, forced the banking industry to improve its operating performance and enhance the overall competitiveness of the banks. This paper mainly discusses the relationship between bank capital structure and bank performance so as to provide some concrete suggestions in optimizing capital structure to improve management performance. Taking 16 commercial banks listed in China as sample banks, this paper analyzes the present situation of capital structure and operating performance of 16 listed banks on the basis of research by domestic and foreign scholars. This paper selects eight indexes of equity capital structure and debt structure to represent the capital structure of banks, and measures the operating performance from three aspects: security, profitability and liquidity. Selected 16 listed commercial banks in 2012 related index data, first of all, using SPSS software and principal component analysis to extract the main components of the explained variables to obtain the comprehensive performance, taking the comprehensive performance as the explained variables. Eight indexes in capital structure are taken as explanatory variables, and multiple linear regression models are established, and panel data regression is carried out by using SPSS software. The results show that the ratio of asset-liability ratio to bank performance is low, the proportion of innovative assets to total liabilities is significantly negative correlation with bank performance, and the proportion of the top ten shareholders is significantly negative correlation with bank performance. On this basis, the paper puts forward some concrete suggestions to optimize the equity structure and debt structure of Chinese listed commercial banks and to improve the external environment of our country's commercial banks. It is hoped that the capital structure of Chinese commercial banks can be improved, the profitability of commercial banks will be enhanced, and the Chinese commercial banks will be able to remain competitive in the international financial market.
【學(xué)位授予單位】：武漢理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.33

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