【摘要】：商業(yè)銀行作為現(xiàn)代金融體系的主體，被人們稱為連接國民經(jīng)濟的“橋梁”，然而目前我國銀行業(yè)的經(jīng)營績效狀況與國外銀行相比還相差甚遠。同時，隨著金融市場的全面開放，以及新監(jiān)管標準的陸續(xù)出臺，我國商業(yè)銀行將面臨著國內(nèi)和國外更加嚴峻的挑戰(zhàn)。而現(xiàn)代資本結(jié)構(gòu)理論認為，企業(yè)資本結(jié)構(gòu)的優(yōu)化對其經(jīng)營績效的提高有著非常重要的影響。 本文正是從商業(yè)銀行資本結(jié)構(gòu)與經(jīng)營績效的理論基礎入手，通過對我國14家上市商業(yè)銀行資本結(jié)構(gòu)與經(jīng)營績效的現(xiàn)狀進行分析，同時運用了因子分析法構(gòu)建了衡量商業(yè)銀行經(jīng)營績效的綜合指標體系，并就資本結(jié)構(gòu)對商業(yè)銀行經(jīng)營績效的影響進行了回歸分析，期望可以從優(yōu)化銀行資本結(jié)構(gòu)著手，不斷提高我國商業(yè)銀行的經(jīng)營績效，增強其競爭力。研究結(jié)果表明： （1）第一大股東的持股比例與商業(yè)銀行的經(jīng)營績效呈負相關關系； （2）前五大股東的持股比例與商業(yè)銀行的經(jīng)營績效呈正相關關系； （3）國家股比例與商業(yè)銀行經(jīng)營績效呈負相關關系； （4）法人股比例與商業(yè)銀行經(jīng)營績效呈正相關關系； （5）附屬資本占核心資本的比例與商業(yè)銀行經(jīng)營績效呈正相關關系。 綜上，本文認為盡管我國銀行業(yè)經(jīng)過多年的改革與發(fā)展已取得了諸多成績，但是我國商業(yè)銀行的資本結(jié)構(gòu)仍然存在著不合理性。因此，本文認為應該從商業(yè)銀行自身資本結(jié)構(gòu)的優(yōu)化以及銀行外部經(jīng)營環(huán)境的完善兩個方面入手，不斷優(yōu)化我國商業(yè)銀行的資本結(jié)構(gòu)，提高經(jīng)營績效，以促進我國銀行業(yè)的健康、快速、可持續(xù)發(fā)展。
[Abstract]:As the main body of the modern financial system, commercial banks are called the "bridge" connecting the national economy. However, the operating performance of the banking industry in our country is still far from that of foreign banks. At the same time, with the full opening of the financial market and the introduction of new regulatory standards, China's commercial banks will face more severe challenges at home and abroad. According to the modern capital structure theory, the optimization of enterprise capital structure has a very important influence on the improvement of its operating performance. This paper starts with the theoretical basis of the capital structure and operating performance of commercial banks, analyzes the present situation of capital structure and operating performance of 14 listed commercial banks in China, and constructs a comprehensive index system to measure the operating performance of commercial banks by using factor analysis method, and makes a regression analysis on the influence of capital structure on the operating performance of commercial banks, hoping that we can start from optimizing the capital structure of banks. Constantly improve the operating performance of commercial banks in China and enhance their competitiveness. The results show that: (1) the proportion of the largest shareholders is negatively correlated with the operating performance of commercial banks; (2) the proportion of the top five shareholders is positively correlated with the operating performance of commercial banks; (3) the proportion of state shares is negatively correlated with the operating performance of commercial banks; (4) the proportion of legal person shares is positively correlated with the operating performance of commercial banks. (5) the proportion of affiliated capital to core capital is positively correlated with the operating performance of commercial banks. In summary, this paper holds that although many achievements have been made in the reform and development of China's banking industry for many years, the capital structure of China's commercial banks is still unreasonable. Therefore, this paper holds that we should optimize the capital structure of commercial banks and improve their operating performance from two aspects: the optimization of their own capital structure and the perfection of the external operating environment of banks, so as to promote the healthy, rapid and sustainable development of China's banking industry.
【學位授予單位】：山西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33

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