本文選題：境外戰(zhàn)略投資　切入點(diǎn)：上市商業(yè)銀行　出處：《浙江工業(yè)大學(xué)》2012年碩士論文

【摘要】：隨著我國(guó)金融行業(yè)的開放以及政府的支持,目前我國(guó)大部分上市商業(yè)銀行已經(jīng)不同程度地引入過(guò)境外戰(zhàn)略投資者,并與之開展一些金融合作。根據(jù)中東歐國(guó)家的經(jīng)驗(yàn),引入境外戰(zhàn)略投資將顯著提高該國(guó)銀行業(yè)的績(jī)效水平。因此,本文旨在通過(guò)研究境外戰(zhàn)略投資者的引入與否以及其持股比例與我國(guó)上市商業(yè)銀行績(jī)效之間的關(guān)系,分析境外戰(zhàn)略投資者對(duì)提高我國(guó)上市銀行績(jī)效發(fā)揮的作用。 本文在介紹了我國(guó)銀行業(yè)引入境外戰(zhàn)略投資者的歷程和合作現(xiàn)狀后,從引資、引制和引智三個(gè)方面分析了境外戰(zhàn)略投資者對(duì)我國(guó)上市商業(yè)銀行績(jī)效影響的作用。文章著重從產(chǎn)權(quán)理論、委托代理理論、戰(zhàn)略聯(lián)盟理論以及交易成本理論等方面出發(fā),結(jié)合駱駝評(píng)價(jià)體系選取特定財(cái)務(wù)指標(biāo)以評(píng)價(jià)銀行績(jī)效的變化,從而分析引入境外戰(zhàn)略投資對(duì)我國(guó)上市商業(yè)銀行績(jī)效的影響。本文還選取了十家上市商業(yè)銀行作為樣本,并采用面板數(shù)據(jù)模型作了實(shí)證分析,實(shí)證結(jié)果顯示,境外戰(zhàn)略投資者的引入及其持股比例對(duì)各銀行的資本充足率、凈資產(chǎn)收益率和手續(xù)費(fèi)及傭金凈收入占營(yíng)業(yè)收入比有正向作用,對(duì)不良貸款率、成本收入比和流動(dòng)比率的影響為負(fù),這與預(yù)期一致。但是,就顯著性來(lái)講,境外戰(zhàn)略投資者的引入只對(duì)各銀行的不良貸款率、成本收入比以及手續(xù)費(fèi)及傭金凈收入占營(yíng)業(yè)收入比具有顯著影響,而對(duì)于各銀行的其他三個(gè)指標(biāo)影響不顯著。針對(duì)實(shí)證結(jié)果,本文做出了自己的分析提出了政策建議。
[Abstract]:With the opening of the financial industry and the support of the government, most of the listed commercial banks in China have introduced foreign strategic investors to some extent, and carried out some financial cooperation with them.According to the experience of central and eastern European countries, the introduction of foreign strategic investment will significantly improve the performance of the banking sector.Therefore, the purpose of this paper is to analyze the role of foreign strategic investors in improving the performance of listed banks in China by studying the relationship between the introduction of foreign strategic investors and their shareholding ratio and the performance of listed commercial banks in China.This paper introduces the course of introducing foreign strategic investors and the present situation of cooperation in China's banking industry, and analyzes the effects of foreign strategic investors on the performance of listed commercial banks in China from three aspects: attracting investment, attracting system and introducing wisdom.Based on property right theory, principal-agent theory, strategic alliance theory and transaction cost theory, this paper selects specific financial indicators to evaluate the change of bank performance in combination with camel evaluation system.Thus, this paper analyzes the impact of the introduction of foreign strategic investment on the performance of China's listed commercial banks.This paper also selects ten listed commercial banks as samples, and uses panel data model to make empirical analysis. The empirical results show that the introduction of foreign strategic investors and their shareholding ratio to the capital adequacy ratio of each bank.Net return on assets and net income from commission and commission have a positive effect on operating income, and negative effect on non-performing loan ratio, cost-income ratio and current ratio, which is in line with expectations.However, in terms of significance, the introduction of foreign strategic investors only has a significant impact on the non-performing loan ratio, cost-income ratio, and net income of commission and commission as a percentage of operating income.The impact on the other three indicators of the banks is not significant.In view of the empirical results, this paper makes its own analysis and puts forward policy recommendations.
【學(xué)位授予單位】：浙江工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33;F224

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