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  本文關(guān)鍵詞：我國商業(yè)銀行的經(jīng)營效率差異及影響因素研究　出處：《武漢理工大學》2012年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 商業(yè)銀行 經(jīng)營效率 數(shù)據(jù)包絡分析法 影響因素

【摘要】：銀行業(yè)一直以來都是我國金融體系的核心,隨著對外開放程度的不斷加深,以及2001年加入世界貿(mào)易組織,我國經(jīng)濟與國際金融聯(lián)系也越來越緊密。在國內(nèi)和國際環(huán)境背景不斷變化影響下,我國銀行業(yè)一直處于向前發(fā)展的趨勢,特別是我國四大國有商業(yè)銀行業(yè)股份制改革的完成并成功上市,上市商業(yè)銀行發(fā)展迅速,其在銀行業(yè)中的甚至是在金融體系中的地位也越來越重要。隨著入世承諾的實現(xiàn),2006年底,我國金融市場已經(jīng)全面放開管制,外資銀行和金融機構(gòu)享受國民待遇,這也意味著金融市場的競爭也越來越激烈,我國銀行不僅要 對內(nèi)部銀行間的競爭,還要在客戶、業(yè)務、地域范圍、人才引進等方面與外資銀行展開競爭。面對殘酷的競爭壓力,我國銀行戰(zhàn)勝挑戰(zhàn)的關(guān)鍵點在于提高競爭力,而競爭力的提升主要依靠銀行經(jīng)營效率的提高。因此,對商業(yè)銀行的經(jīng)營效率進行研究,分析目前我國銀行經(jīng)營效率差異以及找出影響經(jīng)營效率的因素,對我國銀行業(yè)的發(fā)展具有重要的理論和現(xiàn)實意義。 本文從五個方面對商業(yè)銀行的效率及影響因素進行了研究：第一部分是導論,闡述了本文的研究目的和意義,對國內(nèi)外相關(guān)研究進行綜述,并介紹了研究方法,對整個論文的框架結(jié)構(gòu)進行了描述；第二部分闡述了銀行經(jīng)營效率的相關(guān)理論,對商業(yè)銀行的經(jīng)營效率進行了界定和分類闡述,并對銀行效率測度的參數(shù)方法和非參數(shù)方法的優(yōu)缺點進行了比較分析。在第三部分中,結(jié)合我國銀行業(yè)的發(fā)展現(xiàn)狀,采用數(shù)據(jù)包絡分析法,利用Deap2.1軟件對我國A股上市的16家商業(yè)銀行的效率值進行了分析；第四部分利用回歸模型對效率值的影響因素進行了分析,針對影響作用的大小對上市商業(yè)銀行效率的提升提出改進建議；第五部分是研究結(jié)論與展望。 本文的核心章節(jié)是第三章和第四章,是文章的主體部分。本文的創(chuàng)新之處在于按照所有選擇A股上市的商業(yè)銀行所有制結(jié)構(gòu)的不同,對國有商業(yè)銀行、股份制商業(yè)銀行和城市商業(yè)銀行的經(jīng)營效率和影響因素進行了分析。本文的研究成果是國有商業(yè)銀行的效率與股份制商業(yè)銀行的效率差別不大,但是仍高于城市商業(yè)銀行,由于研究環(huán)境的變化,這與一些研究文獻中認為的股份制商業(yè)銀行的效率比國有商業(yè)銀行的效率值高的觀點不一致；在影響因素分析中資產(chǎn)收益率是影響經(jīng)營效率最主要的因素,同時也會受到存貸比及銀行規(guī)模的影響。
[Abstract]:The banking industry has always been the core of our financial system, with the deepening opening up in 2001, and joined the world trade organization, China's economy and international finance is increasingly closely linked. In the domestic and international environment changing under the influence of China's banking industry has been in development trend forward, especially China's four major state-owned commercial banks joint-stock reform and development of the successful listing of listed commercial banks in the banking industry in the rapid, even in the financial system has become more and more important. With the implementation of WTO commitments by the end of 2006, China's financial market has been fully deregulated, and foreign banks financial institutions enjoy national treatment, this also means that the financial market is also increasingly fierce competition, China's banks should not only
The internal competition between banks, but also in the customer, business, geographic scope, such as the introduction of talent to compete with foreign banks. Face the brutal competition, the key point of China's banking challenges is to improve competitiveness, and enhance the competitiveness of the products mainly rely on bank efficiency. Therefore, research on commercial banks the analysis of the current operating efficiency, the operating efficiency of China's banks differences and find out the influencing factors of the operating efficiency, has important theoretical and practical significance for the development of China's banking industry.
This paper studied the efficiency and the influencing factors of commercial banks from five aspects: the first part is the introduction, describes the purpose and significance of the research, summarizes the related research at home and abroad, and introduces the research methods and framework of the whole paper are described; the second part elaborates the related theory of Bank management efficiency and the definition and classification of the commercial bank's operation efficiency, advantages and disadvantages of bank efficiency parameter method and non parametric methods are compared and analyzed. In the third part, combined with the development status of China's banking industry, using data envelopment analysis, using Deap2.1 software to the A stock market in China 16 commercial banks efficiency values were analyzed using the regression model; the fourth part of the factors affecting the efficiency of value are analyzed, according to the effect of the size of the listed manufacturer Ye Yin The improvement of the efficiency is proposed, and the fifth part is the conclusion and Prospect of the research.
The core of this chapter is the third chapter and the fourth chapter is the main part of the article. The innovation of this paper is in accordance with the selection of all A shares of listed commercial banks ownership structure is different, the factors of state-owned commercial banks, joint-stock commercial banks and city commercial banks operating efficiency and effect are analyzed. The research results of this paper is not efficiency difference between the efficiencies of state-owned commercial banks and joint-stock commercial banks, but still higher than the city commercial banks, due to the change of the environment, the efficiency and that some studies in the literature of joint-stock commercial banks than the efficiency of state-owned commercial banks of high value differ; in the analysis of influencing factors of asset returns are the main factors affecting the operating efficiency, but also will be affected by the loan deposit ratio and the size of the bank.

【學位授予單位】：武漢理工大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33;F224

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