本文關(guān)鍵詞：我國上市商業(yè)銀行資本結(jié)構(gòu)與經(jīng)營(yíng)績(jī)效的關(guān)系研究　出處：《新疆財(cái)經(jīng)大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

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【摘要】：一個(gè)國家經(jīng)濟(jì)的穩(wěn)定發(fā)展離不開金融業(yè)的支持,銀行業(yè)是金融業(yè)的重要組成部分,銀行的資本結(jié)構(gòu)在實(shí)現(xiàn)商業(yè)銀行的經(jīng)營(yíng)績(jī)效中起著至關(guān)重要的作用。自2006年之后,我國銀行業(yè)全面開放,面臨更加激烈的全球性競(jìng)爭(zhēng),我國商業(yè)銀行要想在競(jìng)爭(zhēng)中爭(zhēng)取主動(dòng),必須采取各種措施優(yōu)化資本結(jié)構(gòu),提高其經(jīng)營(yíng)績(jī)效。本文從資本結(jié)構(gòu)的優(yōu)化調(diào)整出發(fā),從中找出提高商業(yè)銀行經(jīng)營(yíng)績(jī)效的具體途徑及措施,從而深化上市商業(yè)銀行經(jīng)營(yíng)體制改革,規(guī)避不必要的風(fēng)險(xiǎn),為促進(jìn)銀行業(yè)持續(xù)、健康、高效發(fā)展提供政策性建議。在結(jié)合前人研究的基礎(chǔ)上,本文根據(jù)現(xiàn)代資本結(jié)構(gòu)理論,從核心資本與附屬資本,權(quán)益資本和債務(wù)資本兩個(gè)角度出發(fā)分析其對(duì)商業(yè)銀行經(jīng)營(yíng)業(yè)績(jī)的影響,分別從安全性、流動(dòng)性、盈利性三個(gè)角度來衡量商業(yè)銀行的經(jīng)營(yíng)業(yè)績(jī),在充分考慮樣本的可得性和實(shí)證結(jié)果的有效性的基礎(chǔ)上,我們選取了衡量經(jīng)營(yíng)績(jī)效的三個(gè)被解釋變量,包括資產(chǎn)利潤(rùn)率,不良貸款率和貸存比率,以及衡量資本結(jié)構(gòu)的解釋變量包括前五大股東的持股比例,第一大股東的性質(zhì),資產(chǎn)負(fù)債率,附屬資本占資本凈額的比重,股本占核心資本的比重,并運(yùn)用面板數(shù)據(jù)多元回歸的方法,對(duì)上市商業(yè)銀行資本結(jié)構(gòu)對(duì)經(jīng)營(yíng)績(jī)效的影響進(jìn)行分析。本文得出的結(jié)論是:我國上市商業(yè)銀行的經(jīng)營(yíng)績(jī)效與前五大股東的持股比例呈正相關(guān),與第一大股東的性質(zhì)呈負(fù)相關(guān),與附屬資本占資本凈額的比重呈正相關(guān),與商業(yè)銀行的股本占核心資本的比例呈負(fù)相關(guān)。根據(jù)實(shí)證結(jié)果,為了提高我國上市商業(yè)銀行的盈利能力,降低商業(yè)銀行的不良貸款率,提高上市商業(yè)銀行的流動(dòng)性,以提高其經(jīng)營(yíng)績(jī)效,本文提出以下幾點(diǎn)建議:不斷提高核心資本的充足率,提升附屬資本占資本凈額的比重。降低股本占核心資本的比重,防止股權(quán)的過于集中,同時(shí)深化國有商業(yè)銀行的股份制改革,完善資本市場(chǎng)的運(yùn)行機(jī)制。
[Abstract]:The stable development of a country's economy can not be separated from the support of the financial industry, the banking industry is an important part of the financial industry. The capital structure of banks plays an important role in realizing the performance of commercial banks. Since 2006, China's banking industry has been fully open and facing more fierce global competition. If our commercial banks want to take the initiative in the competition, they must take various measures to optimize the capital structure and improve their operating performance. This paper starts from the optimization and adjustment of the capital structure. Find out the specific ways and measures to improve the performance of commercial banks, so as to deepen the operational system reform of listed commercial banks, avoid unnecessary risks, in order to promote the continuity and health of the banking industry. Efficient development provides policy advice. On the basis of previous studies, this paper, according to the modern capital structure theory, from the core capital and subsidiary capital. The impact of equity capital and debt capital on the performance of commercial banks is analyzed, and the performance of commercial banks is measured from the aspects of security, liquidity and profitability. On the basis of fully considering the availability of samples and the validity of empirical results, we select three explained variables to measure performance, including asset profitability, non-performing loan ratio and loan-to-deposit ratio. The explanatory variables to measure the capital structure include the shareholding ratio of the top five shareholders, the nature of the first largest shareholder, the ratio of assets to liabilities, the proportion of subsidiary capital to net capital, and the proportion of equity to core capital. And using panel data multiple regression method. This paper analyzes the impact of capital structure on operating performance of listed commercial banks. The conclusion is that the operating performance of listed commercial banks in China is positively correlated with the shareholding ratio of the top five major shareholders. It has a negative correlation with the nature of the largest shareholder, a positive correlation with the proportion of subsidiary capital in net capital, and a negative correlation with the proportion of equity to core capital of commercial banks. In order to improve the profitability of China's listed commercial banks, reduce the non-performing loan rate of commercial banks, improve the liquidity of listed commercial banks, and improve their business performance. This paper puts forward the following suggestions: to continuously improve the adequacy of core capital, to increase the proportion of subsidiary capital in the net capital, to reduce the proportion of equity to core capital, and to prevent the concentration of equity. At the same time, deepen the stock system reform of state-owned commercial banks and improve the operating mechanism of the capital market.
【學(xué)位授予單位】：新疆財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.33

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