本文選題：銀行績(jī)效　切入點(diǎn)：外資持股　出處：《石河子大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著全球經(jīng)濟(jì)環(huán)境的高速發(fā)展,我國改革開放進(jìn)程的不斷推進(jìn),金融體系的改革不斷深入,我國商業(yè)銀行業(yè)所面臨的環(huán)境也在不斷發(fā)生變化,我國商業(yè)銀行在經(jīng)營(yíng)管理、銀行治理、經(jīng)營(yíng)模式等方面仍需要進(jìn)一步的改革與發(fā)展。國際與歷史經(jīng)驗(yàn)都表明,引入外資可以幫助我國商業(yè)銀行更好地適應(yīng)國際金融環(huán)境,大量的研究表明外資持股可以帶來先進(jìn)的管理技術(shù)轉(zhuǎn)移和風(fēng)險(xiǎn)甄別能力,能夠有效的推動(dòng)中國銀行業(yè)完善銀行治理結(jié)構(gòu),對(duì)改革中的中國銀行業(yè)有重要的戰(zhàn)略意義。目前國內(nèi)外對(duì)于外資持股與商業(yè)銀行績(jī)效的研究較為豐富,但并未得出一致的結(jié)論,經(jīng)過分析,本文認(rèn)為,造成結(jié)論差異的原因主要源于以下幾個(gè)方面:一、大多數(shù)研究忽視了政策制度的影響,在時(shí)間段的選取上存在差異;二、不同的研究對(duì)銀行績(jī)效的度量指標(biāo)選取標(biāo)準(zhǔn)不同。本文認(rèn)為經(jīng)過整合財(cái)務(wù)指標(biāo)的分析方法會(huì)抵消指標(biāo)的真實(shí)影響,但單一的財(cái)務(wù)指標(biāo)也不能全面反映企業(yè)的經(jīng)營(yíng)狀況,因此本文選擇以多個(gè)財(cái)務(wù)指標(biāo)對(duì)商業(yè)銀行績(jī)效進(jìn)行度量;三、研究的估計(jì)方法不同,銀行變量大多存在較為嚴(yán)重的內(nèi)生性,造成了實(shí)證結(jié)果的差異,為了確保結(jié)論的準(zhǔn)確性,本文選取兩階段工具變量回歸的估計(jì)方法進(jìn)行實(shí)證分析。本文選取了我國十六家上市商業(yè)銀行2006-2013年的A股銀行數(shù)據(jù),在控制潛在內(nèi)生性和其他變量的影響下,討論外資持股比例對(duì)商業(yè)銀行績(jī)效的影響,通過分析外資持股在商業(yè)銀行的股權(quán)結(jié)構(gòu)、公司治理及市場(chǎng)競(jìng)爭(zhēng)方面的影響,提出本文假設(shè),繼而實(shí)證研究外資持股對(duì)我國商業(yè)銀行績(jī)效影響,并在此基礎(chǔ)上,結(jié)合商業(yè)銀行經(jīng)營(yíng)原則,進(jìn)一步檢驗(yàn)外資持股對(duì)商業(yè)銀行的安全性和流動(dòng)性的影響,因此得出符合商業(yè)銀行經(jīng)營(yíng)原則的績(jī)效影響結(jié)論,并在此基礎(chǔ)上分析我國商業(yè)銀行績(jī)效在引入外資進(jìn)程中可能存在的一些現(xiàn)狀和問題。結(jié)合實(shí)證研究的結(jié)論,本文認(rèn)為在現(xiàn)階段,我國商業(yè)銀行引進(jìn)外資態(tài)度較為理性,能夠在與外國投資者建立合作伙伴關(guān)系的同時(shí),積極改善自身的公司治理,提高經(jīng)營(yíng)績(jī)效。
[Abstract]:With the rapid development of the global economic environment, the continuous advancement of China's reform and opening up process, the deepening of the reform of the financial system, the environment facing the commercial banking industry of our country is constantly changing, and the commercial banks of our country are operating and managing. The international and historical experience shows that the introduction of foreign capital can help our commercial banks better adapt to the international financial environment. A large number of studies show that foreign ownership can bring advanced management technology transfer and risk screening ability, and can effectively promote the improvement of banking governance structure in China. It is of great strategic significance to the reform of China's banking industry. At present, the research on foreign ownership and commercial bank performance is abundant at home and abroad, but there is no consistent conclusion. The reasons for the difference are mainly from the following aspects: first, most studies ignore the influence of policy and system, and there are differences in the selection of time periods; second, Different studies have different criteria for the measurement of bank performance. This paper argues that the analysis method of integrated financial indicators will offset the real impact of the indicators, but a single financial index can not fully reflect the business situation of the enterprise. Therefore, this paper chooses a number of financial indicators to measure the performance of commercial banks. Third, the estimation methods of the study are different, most of the bank variables have more serious endogeneity, resulting in the difference of empirical results, in order to ensure the accuracy of the conclusions. This paper selects the two-stage instrumental variable regression estimation method to carry on the empirical analysis. This paper selects 16 listed commercial banks in China from 2006 to 2013, under the control of potential endogenous and other variables, This paper discusses the influence of the proportion of foreign ownership on the performance of commercial banks, analyzes the influence of foreign ownership on the ownership structure, corporate governance and market competition of commercial banks, and puts forward the hypothesis of this paper. On the basis of the empirical study on the effect of foreign ownership on the performance of commercial banks in China, combined with the management principles of commercial banks, the paper further examines the impact of foreign ownership on the security and liquidity of commercial banks. Therefore, the paper draws the conclusion that the performance of commercial banks is in line with the operating principles of commercial banks, and on this basis analyzes the current situation and problems that may exist in the process of introducing foreign capital into the performance of commercial banks in China. This paper holds that at the present stage, Chinese commercial banks have a rational attitude towards introducing foreign capital and can actively improve their corporate governance and business performance while establishing a partnership with foreign investors.
【學(xué)位授予單位】：石河子大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33;F830.42

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