發(fā)布時(shí)間：2018-01-12 12:30

  本文關(guān)鍵詞：我國(guó)信托業(yè)效率測(cè)度及其主要影響因素的實(shí)證分析　出處：《北京化工大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信托行業(yè) 效率 數(shù)據(jù)包絡(luò)法 影響因素

【摘要】：作為金融業(yè)四大支柱之一的信托業(yè)，在經(jīng)過(guò)6次整頓后，明確了其經(jīng)營(yíng)主業(yè)，充分發(fā)揮自身可以橫跨資本市場(chǎng)、實(shí)物市場(chǎng)和貨幣市場(chǎng)的優(yōu)勢(shì)，自2007年起邁入快速發(fā)展的道路，資產(chǎn)規(guī)模迅速擴(kuò)張，人才隊(duì)伍不斷擴(kuò)大，產(chǎn)品創(chuàng)新也逐漸豐富。與此同時(shí)也出現(xiàn)了行業(yè)內(nèi)部的兩極分化情況。提高信托公司經(jīng)營(yíng)效率是信托業(yè)發(fā)展的關(guān)鍵，也是在激烈的行業(yè)競(jìng)爭(zhēng)中各公司的生存之道。因此，對(duì)信托公司的效率進(jìn)行測(cè)度，量化各主要影響因素有利于指導(dǎo)信托公司改善經(jīng)營(yíng)狀況，并為金融監(jiān)管機(jī)構(gòu)進(jìn)行監(jiān)管提供理論依據(jù)。 本文在對(duì)國(guó)內(nèi)外信托理論及金融機(jī)構(gòu)效率研究進(jìn)行梳理后，，結(jié)合我國(guó)信托業(yè)經(jīng)營(yíng)現(xiàn)狀，依據(jù)控股股東不同將信托公司分為5大類別，并以2007—2010年間持續(xù)經(jīng)營(yíng)的49家信托公司為樣本，使用數(shù)據(jù)包絡(luò)法對(duì)信托公司的技術(shù)效率、規(guī)模效率、成本效率進(jìn)行了測(cè)度，列出各家公司的相對(duì)效率，并指出效率較低公司的改進(jìn)方向與規(guī)模。結(jié)果表明我國(guó)金融集團(tuán)控股類信托公司的各項(xiàng)效率較高，而國(guó)有企業(yè)控股類公司效率明顯偏低，且兩極分化有日益拉大之勢(shì)。 為考察影響信托業(yè)效率的因素，本文立足于微觀層面，使用面板數(shù)據(jù)的多元線性回歸法，對(duì)于各主要影響因素進(jìn)行了實(shí)證研究，得出人才質(zhì)量、資產(chǎn)規(guī)模、收益能力對(duì)提高效率有顯著的正向影響，而管理費(fèi)用率則對(duì)效率有負(fù)向影響。最后，本文結(jié)合宏觀、中觀層面的影響因素，對(duì)于提高我國(guó)信托業(yè)效率提出了相應(yīng)建議，包括完善社會(huì)信用體系，加強(qiáng)行業(yè)監(jiān)管，優(yōu)化企業(yè)治理結(jié)構(gòu)等內(nèi)容。
[Abstract]:As one of the four pillars of the financial industry, the trust industry, after six times of rectification, has made clear its main business, giving full play to its advantages, which can span the capital market, the physical market and the money market. Since 2007, it has stepped into the road of rapid development, with the rapid expansion of assets and the continuous expansion of the talent force. Product innovation is also gradually rich. At the same time, there is a polarization within the industry. To improve the operating efficiency of trust companies is the key to the development of the trust industry. It is also the survival of the companies in the fierce industry competition. Therefore, to measure the efficiency of trust companies and quantify the main factors are conducive to guide trust companies to improve their operating conditions. It also provides theoretical basis for financial supervision. After combing the research on trust theory and efficiency of financial institutions at home and abroad, this paper classifies trust companies into five categories according to the controlling shareholders' differences, combined with the current situation of trust industry management in China. The technical efficiency, scale efficiency and cost efficiency of the trust companies were measured by using data envelopment method based on 49 trust companies in the period of 2007-2010. The relative efficiency of each company is listed, and the improvement direction and scale of the inefficient company are pointed out. The result shows that the efficiency of the holding trust company of financial group in our country is higher. The efficiency of state-owned holding companies is on the low side, and polarization is increasing. In order to investigate the factors affecting the efficiency of trust industry, this paper based on the micro level, using panel data multiple linear regression method, for the main factors of empirical research, the quality of talent, asset size. Revenue ability has a significant positive impact on efficiency, while the overhead rate has a negative impact on efficiency. Finally, this paper combines macro and meso-level factors. Some suggestions are put forward to improve the efficiency of trust industry in China, including perfecting the social credit system, strengthening the supervision of the industry, optimizing the corporate governance structure and so on.
【學(xué)位授予單位】：北京化工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.49;F224

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