本文選題：商業(yè)銀行　切入點：股權結構　出處：《西北大學》2012年碩士論文

【摘要】：隨著金融業(yè)的發(fā)展,商業(yè)銀行在國民經(jīng)濟中的作用越來越重要,而商業(yè)銀行現(xiàn)代企業(yè)制度的建立,對于商業(yè)銀行的發(fā)展則有著至關重要的作用。對我國而言,由于經(jīng)濟體制的特殊性,大多數(shù)商業(yè)銀行都是在計劃經(jīng)濟或者過渡期的背景下成長起來的,一定程度上受到計劃經(jīng)濟的影響,加之我國商業(yè)銀行普遍上市時間較晚,股權結構成為影響其績效的一個重要因素。 本文主要研究的就是我國商業(yè)銀行上市后股權結構對其績效的影響。在理論上,從股權集中度和股東性質兩個方面研究股權結構對我國上市商業(yè)銀行的影響機制,認為相對集中型的股權結構對于商業(yè)銀行的績效提高最有效,而國家持股比例過高會導致銀行績效的降低。然后,以我國14家上市商業(yè)銀行的相關指標為樣本數(shù)據(jù),運用主成分分析的方法構建了我國上市商業(yè)銀行績效的綜合指標,通過構建面板數(shù)據(jù)模型來研究我國上市商業(yè)銀行股權結構對績效的具體影響。通過實證檢驗得出結論：我國上市商業(yè)銀行第一大股東的持股比例與銀行績效負相關,股權制衡度與績效之間負相關,前五大股東持股比例的平方和和前十大股東的持股比例都與銀行績效正相關,前大股東中國家持股的比例與銀行績效之間負相關,而前十大股東中境內(nèi)法人持股比例和外資持股比例則與績效正相關。最后,提出在股權結構方面提高我國上市商業(yè)銀行績效的相關建議。
[Abstract]:With the development of financial industry, commercial banks play more and more important role in the national economy, and the establishment of modern enterprise system of commercial banks plays an important role in the development of commercial banks.For our country, because of the particularity of the economic system, most commercial banks have grown up under the background of planned economy or transitional period, and to some extent have been affected by planned economy.In addition, China's commercial banks generally listed late, equity structure has become an important factor affecting their performance.This paper mainly studies the influence of stock ownership structure on the performance of Chinese commercial banks after listing.Theoretically, the paper studies the influence mechanism of equity structure on Chinese listed commercial banks from two aspects of ownership concentration and shareholder nature, and considers that the relatively centralized ownership structure is the most effective for the performance improvement of commercial banks.And the excessive proportion of state-owned shares will lead to the decline of bank performance.Then, taking the relevant indexes of 14 listed commercial banks in China as the sample data, using the method of principal component analysis to construct the comprehensive index of the performance of the listed commercial banks in our country.Through the construction of panel data model to study the specific impact of listed commercial banks' equity structure on performance.The empirical results show that the proportion of the largest shareholders in listed commercial banks is negatively correlated with bank performance, and the degree of equity checks and balances is negatively correlated with performance.The sum of square of the top five shareholders and the proportion of the top ten shareholders are both positively related to bank performance, and the proportion of state ownership among the former major shareholders is negatively correlated with bank performance.The proportion of domestic legal person and foreign ownership is positively related to the performance of the top ten shareholders.Finally, the paper puts forward some suggestions to improve the performance of listed commercial banks in the aspect of equity structure.
【學位授予單位】：西北大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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