本文選題：商業(yè)銀行 + 跨國(guó)并購(gòu)　； 參考：《武漢理工大學(xué)》2012年碩士論文

【摘要】：國(guó)際金融危機(jī)下,歐美銀行遭受沉重打擊,而中資銀行金融動(dòng)蕩的沖擊較小,面臨著并構(gòu)成本下降的誘惑,隨著金融危機(jī)的進(jìn)一步深化,銀行業(yè)并購(gòu)交易也在不斷升溫。對(duì)于資本實(shí)力相對(duì)充足,資產(chǎn)質(zhì)量相對(duì)安全,希望融入全球金融體系的中資銀行而言,金融危機(jī)也孕育著很多機(jī)遇。 本文以跨國(guó)投資理論為基礎(chǔ),對(duì)銀行跨國(guó)并購(gòu)動(dòng)因和影響因素進(jìn)行梳理與分析。以2008年招商銀行并購(gòu)永隆銀行為例,整理計(jì)算了并購(gòu)前三年到后三年的十五個(gè)指標(biāo)數(shù)據(jù),運(yùn)用SPSS的因子分析法,進(jìn)行因子分類,整理出并購(gòu)這一活動(dòng)對(duì)銀行的各方面影響,進(jìn)而確定理論中的動(dòng)因在實(shí)際上是否成立,以及從銀行績(jī)效得出的該規(guī)避的風(fēng)險(xiǎn)。 本文總共分為七個(gè)章節(jié)。第一章為緒論,闡述了研究背景,目的,意義和研究方法及路線。第二章為理論部分,先對(duì)跨國(guó)銀行進(jìn)行界定,并購(gòu)類型進(jìn)行分類然后從效益理論,市場(chǎng)勢(shì)力理論和訊息信號(hào)理論三個(gè)方面進(jìn)行描述。第三章分析我國(guó)跨國(guó)并購(gòu)的動(dòng)因。首先通過(guò)列出1998年到2010年中國(guó)商業(yè)銀行跨國(guó)并購(gòu)的案例來(lái)呈現(xiàn)其發(fā)展歷程,然后從內(nèi)部動(dòng)因,外部動(dòng)因兩個(gè)方面進(jìn)行我國(guó)銀行業(yè)跨國(guó)并購(gòu)的動(dòng)因分析。其中內(nèi)部動(dòng)因包括過(guò)剩資金的配置,銀行自身盈利能力的提高,中資銀行布局的完善,業(yè)務(wù)領(lǐng)域和服務(wù)范圍的擴(kuò)大；外部動(dòng)因包括有利的國(guó)際金融市場(chǎng)背景,跟隨客戶進(jìn)軍海外一體化發(fā)展,中國(guó)政府的大力支持和中資銀行的外國(guó)戰(zhàn)略投資者有效地支持。第四章主要分兩大部分,第一大部分是從并購(gòu)銀行的財(cái)務(wù)風(fēng)險(xiǎn),進(jìn)入東道國(guó)的風(fēng)險(xiǎn),銀行并購(gòu)的整合風(fēng)險(xiǎn)三個(gè)方面來(lái)分析銀行業(yè)跨國(guó)并購(gòu)的風(fēng)險(xiǎn)。第二大部分則是針對(duì)中資銀行的跨國(guó)并購(gòu)特有的風(fēng)險(xiǎn)。其中包括：中國(guó)銀行也在海外業(yè)務(wù)的話語(yǔ)權(quán),中資銀行缺乏清晰而長(zhǎng)遠(yuǎn)的國(guó)際化戰(zhàn)略,中資跨國(guó)銀行和中國(guó)跨國(guó)公司沒(méi)有形成集聚效應(yīng),中資銀行面臨較大的管理風(fēng)險(xiǎn)和國(guó)際經(jīng)營(yíng)人才的缺乏。第五章是外國(guó)銀行業(yè)的跨國(guó)并購(gòu)給中國(guó)的經(jīng)驗(yàn)借鑒。第六章從定量的角度講,文章以2008年招商銀行并購(gòu)永隆銀行為例,整理計(jì)算了并購(gòu)前三年到后三年的十五個(gè)指標(biāo)數(shù)據(jù),運(yùn)用SPSS的因子分析法,進(jìn)行因子分類,整理出并購(gòu)這一活動(dòng)對(duì)銀行的各方面影響。最后一章是結(jié)束語(yǔ),目標(biāo)和路徑的選擇上來(lái)闡述中國(guó)銀行業(yè)跨國(guó)并購(gòu)的啟示。 全文通過(guò)分析中國(guó)銀行業(yè)跨國(guó)并購(gòu)的動(dòng)因和特有風(fēng)險(xiǎn),借助實(shí)證分析案例得出并購(gòu)目標(biāo)和路徑的選擇的相關(guān)結(jié)論。
[Abstract]:Under the international financial crisis, the European and American banks suffered a heavy blow, while the financial turbulence of the Chinese banks was relatively small, facing the temptation of this decline, with the further deepening of the financial crisis, banking M & A transactions are also heating up. For Chinese banks with relatively abundant capital, relatively safe asset quality and a desire to integrate into the global financial system, the financial crisis also breeds many opportunities. Based on the theory of transnational investment, this paper analyzes the causes and influencing factors of cross-border mergers and acquisitions of banks. Taking China Merchants Bank's acquisition of Yonglong Bank in 2008 as an example, this paper collates and calculates the 15 index data from the first three years to the last three years of M & A. By using the factor analysis method of SPSS, it classifies the factors, and collates the influence of M & A on the banks in all aspects. Then determine whether the theory of motivation in practice, and from the bank performance to avoid the risk. This paper is divided into seven chapters. The first chapter is the introduction, the research background, purpose, significance and research methods and routes. The second chapter is the theoretical part, which firstly defines the multinational banks, classifies the types of mergers and acquisitions and then describes them from three aspects: benefit theory, market power theory and information signal theory. The third chapter analyzes the motivation of transnational M & A in China. Firstly, it presents the development course of Chinese commercial banks by listing the cases of cross-border M & A from 1998 to 2010, and then analyzes the causes of cross-border M & A in China's banking industry from two aspects: internal motivation and external motivation. The internal motivations include the allocation of excess funds, the improvement of the profitability of banks, the perfection of the layout of Chinese banks, the expansion of the scope of business and services. With the development of overseas integration, the support of Chinese government and foreign strategic investors of Chinese banks is effective. The fourth chapter is mainly divided into two parts. The first part is to analyze the risk of cross-border M & A in banking industry from three aspects: the financial risk of M & A, the risk of entering into the host country and the risk of integration of bank M & A. The second part is the specific risk of cross-border M & A for Chinese banks. These include: the Bank of China also has a voice in overseas business, the Chinese banks lack a clear and long-term international strategy, and the Chinese multinational banks and Chinese multinational corporations have not formed a cluster effect. Chinese banks face greater management risks and lack of international management personnel. The fifth chapter is the experience of cross-border mergers and acquisitions of foreign banks to China. The sixth chapter takes China Merchants Bank's merger of Yonglong Bank in 2008 as an example, collates and calculates the 15 index data from three years to three years after M & A, and uses the factor analysis method of SPSS to classify the factors. Sort out the effect of M & A on all aspects of the bank. The last chapter is the conclusion, goal and path to illustrate the implications of cross-border mergers and acquisitions in China's banking industry. Based on the analysis of the causes and special risks of cross-border M & A in China's banking industry, this paper draws a conclusion on the choice of M & A target and path with the help of empirical analysis cases.
【學(xué)位授予單位】：武漢理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33;F271

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