本文選題：商業(yè)銀行 + 經(jīng)營(yíng)效率　； 參考：《福建農(nóng)林大學(xué)》2017年碩士論文

【摘要】：在我國(guó)的經(jīng)濟(jì)體系中,商業(yè)銀行是整個(gè)體系的核心力量,在推動(dòng)全國(guó)GDP增長(zhǎng)中扮演著至關(guān)重要的角色。當(dāng)前,隨著第三方支付、P2P貸款模式、余額寶、京東白條、阿里小貸等互聯(lián)網(wǎng)金融的迅猛發(fā)展,加上互聯(lián)網(wǎng)+、大數(shù)據(jù)分析技術(shù)的深度發(fā)展和民營(yíng)銀行的設(shè)立,中國(guó)傳統(tǒng)的商業(yè)銀行面臨著前所未有的市場(chǎng)競(jìng)爭(zhēng)壓力,銀行的市場(chǎng)份額、盈利能力、產(chǎn)品品牌等方面都受到了嚴(yán)峻挑戰(zhàn)。而且,同現(xiàn)代新型企業(yè)相比,國(guó)內(nèi)傳統(tǒng)商業(yè)銀行還存在體量偏大、應(yīng)對(duì)市場(chǎng)速度偏慢等問題,如何在經(jīng)濟(jì)新常態(tài)下,提升商業(yè)銀行經(jīng)營(yíng)效率和市場(chǎng)競(jìng)爭(zhēng)能力是當(dāng)前銀行業(yè)關(guān)注的焦點(diǎn)。本文通過對(duì)國(guó)內(nèi)外銀行經(jīng)營(yíng)效率研究方法的梳理,在汲取前人研究成果的基礎(chǔ)上,選用非參數(shù)法的數(shù)據(jù)包絡(luò)分析(DEA)方法(投入導(dǎo)向和產(chǎn)出導(dǎo)向),對(duì)目前國(guó)內(nèi)主要商業(yè)銀行的經(jīng)營(yíng)效率進(jìn)行實(shí)證分析和研究。本文的研究樣本選取了我國(guó)16家商業(yè)銀行,涵蓋了國(guó)內(nèi)主要的大型國(guó)有商業(yè)銀行、股份制銀行和城市商業(yè)銀行。同時(shí)根據(jù)DEA方法要求,以銀行總資產(chǎn)、員工總數(shù)、營(yíng)業(yè)費(fèi)用作為商業(yè)銀行投入,以總存款、總貸款、中間業(yè)務(wù)收入、利息收入、凈利潤(rùn)作為商業(yè)銀行產(chǎn)出,數(shù)據(jù)來源于16家商業(yè)銀行2014年到2016年的年報(bào)公開數(shù)據(jù)。通過實(shí)證研究,本文發(fā)現(xiàn)近年來我國(guó)商業(yè)銀行經(jīng)營(yíng)效率達(dá)到了較高的水平,分類別看,五大國(guó)有商業(yè)銀行的經(jīng)營(yíng)效率明顯優(yōu)于其他銀行,股份制銀行經(jīng)營(yíng)效率次之,城市商業(yè)銀行最末。本文進(jìn)一步剖析了國(guó)內(nèi)商業(yè)銀行經(jīng)營(yíng)效率差異的影響因素,通過歸納分析,認(rèn)為影響國(guó)內(nèi)商業(yè)銀行經(jīng)營(yíng)效率差異的因素主要有銀行的產(chǎn)權(quán)結(jié)構(gòu)、資產(chǎn)配置能力、產(chǎn)品創(chuàng)新能力和銀行的人力資源質(zhì)量等。最后,本文根據(jù)實(shí)證研究和因素分析結(jié)果,就如何提升商業(yè)銀行經(jīng)營(yíng)效率,對(duì)不同經(jīng)營(yíng)效率水平的商業(yè)銀行分別提出了對(duì)策和建議,對(duì)經(jīng)營(yíng)效率較低的國(guó)內(nèi)商業(yè)銀行給出了大力發(fā)展中間業(yè)務(wù)、拓展客戶網(wǎng)絡(luò)、堅(jiān)持走特色經(jīng)營(yíng)路線三點(diǎn)對(duì)策,對(duì)經(jīng)營(yíng)效率較高的國(guó)內(nèi)商業(yè)銀行提出了進(jìn)一步強(qiáng)化風(fēng)險(xiǎn)管理和資產(chǎn)管理、打造互聯(lián)網(wǎng)金融生態(tài)圈,加強(qiáng)銀行人才培育等四點(diǎn)建議。
[Abstract]:In China's economic system, commercial banks are the core force of the whole system, and play a vital role in promoting the national GDP growth. At present, with the rapid development of Internet finance such as the third-party payment P2P loan model, Yu'e Bao, JingDong's white slips, and Ali's small loans, coupled with the deep development of the Internet, big data's analytical technology and the establishment of private banks, China's traditional commercial banks are facing unprecedented market competition pressure, the market share, profitability, product brand and other aspects of the banks have been severely challenged. Moreover, compared with modern new-type enterprises, domestic traditional commercial banks still have some problems, such as large volume, slow market speed, and so on. How to deal with the new normal state of economy? Improving the efficiency of commercial banks and market competitiveness is the focus of the banking industry. In this paper, by combing the research methods of banking efficiency at home and abroad, on the basis of the previous research results, The data Envelopment Analysis (DEAA) method of non-parametric method (input-oriented and output-oriented) is used to analyze and study the operational efficiency of major commercial banks in China. In this paper, 16 commercial banks in China are selected, including major state-owned commercial banks, joint-stock banks and urban commercial banks. At the same time, according to the requirements of DEA method, the total assets, employees and operating expenses of commercial banks are taken as inputs, and the total deposits, loans, intermediate business income, interest income and net profits are taken as the output of commercial banks. Data from 16 commercial banks from 2014 to 2016 annual report published data. Through empirical research, this paper finds that the operating efficiency of commercial banks in China has reached a higher level in recent years. In terms of categories, the operating efficiency of the five state-owned commercial banks is obviously superior to that of other banks, followed by the operation efficiency of joint-stock banks. City Commercial Bank is the last one. This paper further analyzes the influencing factors of the operational efficiency difference of domestic commercial banks. Through the induction and analysis, the author thinks that the main factors that affect the operational efficiency differences of domestic commercial banks are the property right structure of the banks, the ability of asset allocation. Product innovation ability and human resource quality of bank. Finally, according to the results of empirical research and factor analysis, this paper puts forward some countermeasures and suggestions on how to improve the management efficiency of commercial banks with different operating efficiency levels. For domestic commercial banks with low operating efficiency, three countermeasures are put forward to develop intermediary business, expand customer network, and stick to the characteristic management line. This paper puts forward four suggestions for domestic commercial banks with high operating efficiency, such as further strengthening risk management and asset management, building Internet financial ecological circle and strengthening the cultivation of bank talents.
【學(xué)位授予單位】：福建農(nóng)林大學(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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