本文選題：商業(yè)銀行　切入點(diǎn)：國(guó)際化程度　出處：《濟(jì)南大學(xué)》2017年碩士論文

【摘要】：后危機(jī)時(shí)代,部分發(fā)達(dá)國(guó)家的商業(yè)銀行由于“去杠桿化”需要而進(jìn)行“逆國(guó)際化”,我國(guó)商業(yè)銀行抓住時(shí)機(jī)快速崛起,通過(guò)并購(gòu)和綠地投資不斷完善海外機(jī)構(gòu)布局,加快“走出去”戰(zhàn)略進(jìn)程。在金融全球化背景下,商業(yè)銀行的國(guó)際化發(fā)展是否真正提高了經(jīng)營(yíng)績(jī)效,兩者的數(shù)量關(guān)系如何,這都是商業(yè)銀行制定國(guó)際化發(fā)展戰(zhàn)略時(shí)需要關(guān)注的問(wèn)題。在學(xué)術(shù)界,企業(yè)的“國(guó)際化程度—績(jī)效”關(guān)系理論研究成果較多,兩者關(guān)系有正相關(guān)、負(fù)相關(guān)、U型、倒U型、S型和M型等。商業(yè)銀行作為經(jīng)營(yíng)貨幣資金的特殊企業(yè),“國(guó)際化程度—績(jī)效”關(guān)系理論在銀行業(yè)的適用性有待進(jìn)一步探討。本文從銀行國(guó)際化、銀行績(jī)效和“國(guó)際化程度—績(jī)效”關(guān)系三方面進(jìn)行了理論研究,分析了我國(guó)商業(yè)銀行國(guó)際化現(xiàn)狀和銀行績(jī)效。選取相關(guān)樣本銀行作為研究對(duì)象,使用超效率DEA模型測(cè)量了商業(yè)銀行2006-2016年期間的效率值并進(jìn)行了比較分析;其次,構(gòu)建了商業(yè)銀行國(guó)際化程度的多維指標(biāo)衡量體系,測(cè)量樣本商業(yè)銀行的國(guó)際化程度;最后,采用面板數(shù)據(jù)分析法探索研究企業(yè)的“國(guó)際化程度—績(jī)效”關(guān)系理論在銀行業(yè)的適用性。通過(guò)研究得到以下結(jié)論:1.現(xiàn)階段,我國(guó)商業(yè)銀行國(guó)際化水平總體較低,處于初級(jí)階段。國(guó)際化程度最高的商業(yè)銀行是中國(guó)銀行,已開(kāi)展國(guó)際化發(fā)展的銀行國(guó)際化程度呈現(xiàn)逐漸上升的趨勢(shì),商業(yè)銀行國(guó)際化進(jìn)程加快。2.我國(guó)商業(yè)銀行的效率值呈現(xiàn)上升趨勢(shì)。截至2016年底,我國(guó)商業(yè)銀行的效率值的排序?yàn)?股份制銀行大型商業(yè)銀行城市商業(yè)銀行;排名前三名的是招商銀行、平安銀行和民生銀行;已經(jīng)進(jìn)行國(guó)際化發(fā)展的商業(yè)銀行的效率值高于未進(jìn)行國(guó)際化發(fā)展的銀行。3.我國(guó)商業(yè)銀行的“國(guó)際化程度—績(jī)效”關(guān)系呈倒U型的曲線,符合M型關(guān)系理論的初始階段和第一階段。當(dāng)商業(yè)銀行國(guó)際化程度為17.31%時(shí),經(jīng)營(yíng)績(jī)效最大,初級(jí)階段和第一階段的臨界點(diǎn)為0.1731。理論上驗(yàn)證了“國(guó)際化程度—績(jī)效”關(guān)系理論在銀行業(yè)的適用性,對(duì)我國(guó)的商業(yè)銀行“走出去”實(shí)施國(guó)際化戰(zhàn)略具有一定的指導(dǎo)意義。最后,根據(jù)結(jié)論為商業(yè)銀行的國(guó)際化發(fā)展從國(guó)家層面和銀行層面提出了對(duì)策建議。
[Abstract]:In the post-crisis era, the commercial banks of some developed countries carried out "inverse internationalization" because of the need of "deleveraging". The commercial banks of our country seized the opportunity to rise rapidly and continuously improve the layout of overseas institutions through mergers and acquisitions and greenfield investment. Accelerate the process of "going out" strategy. Under the background of financial globalization, whether the internationalization development of commercial banks has really improved the business performance, and how the relationship between the number of the two, These are the problems that commercial banks should pay attention to when making internationalization development strategy. In academic circles, there are many researches on the relationship between degree of internationalization and performance of enterprises, and there is a positive correlation between them and a negative correlation between them. The applicability of the theory of "degree of internationalization-performance" in the banking industry needs to be further discussed in this paper from the perspective of the internationalization of banks, as a special enterprise operating money funds, the applicability of the theory of "internationalization degree-performance" in the banking industry remains to be further discussed. This paper makes a theoretical study on the relationship between bank performance and the relationship between degree and performance of internationalization, and analyzes the current situation of internationalization and bank performance of commercial banks in China. The efficiency of commercial banks from 2006 to 2016 is measured by using super-efficiency DEA model. Secondly, a multi-dimensional index system is constructed to measure the degree of internationalization of commercial banks. Finally, the degree of internationalization of commercial banks is measured. Using panel data analysis method to explore the applicability of the theory of "degree of internationalization-performance" of enterprises in the banking industry. The following conclusions are drawn: 1. At the present stage, the level of internationalization of commercial banks in China is generally low. The commercial bank with the highest degree of internationalization is the Bank of China. The degree of internationalization of the banks that have carried out international development has gradually increased. The efficiency value of commercial banks in China is on the rise. By the end of 2016, the order of efficiency value of commercial banks in China is: joint-stock banks, large commercial banks, urban commercial banks; The top three are China Merchants Bank, Ping an Bank and Minsheng Bank; The efficiency value of the commercial banks that have already carried on the internationalization development is higher than that of the banks without the internationalization development. The relationship between the degree of internationalization and the performance of the commercial banks in our country shows an inverted U-shape curve. When the degree of internationalization of commercial banks is 17.31, the performance of commercial banks is the greatest. The critical point of the primary stage and the first stage is 0.1731. It theoretically verifies the applicability of the "degree of internationalization-performance" relationship theory in the banking industry, and has certain guiding significance for the implementation of the internationalization strategy of the commercial banks in China. According to the conclusion, the author puts forward some countermeasures and suggestions for the internationalization development of commercial banks at the national level and the banking level.
【學(xué)位授予單位】：濟(jì)南大學(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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