發(fā)布時間：2018-01-01 05:34

  本文關(guān)鍵詞：基于SCP視角下我國銀行卡產(chǎn)業(yè)效率研究　出處：《中國海洋大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 銀行卡產(chǎn)業(yè) 效率 SCP范式 三階段DEA模型 灰色關(guān)聯(lián)分析

【摘要】：銀行業(yè)是國家進(jìn)行宏觀調(diào)控的關(guān)鍵媒介，，作為銀行新興子產(chǎn)業(yè)的銀行卡產(chǎn)業(yè)也在蓬勃發(fā)展。自1985年我國發(fā)行第一張銀行卡開始，我國的銀行卡產(chǎn)業(yè)以迅猛的態(tài)勢不斷發(fā)展：銀行卡的年發(fā)卡量激增，交易額也呈爆發(fā)式增長，銀行卡的產(chǎn)業(yè)鏈不斷延伸且規(guī)模得到擴(kuò)大。作為商業(yè)銀行重要負(fù)債業(yè)務(wù)之一，銀行卡業(yè)務(wù)現(xiàn)已滲透到經(jīng)濟(jì)、社會各個層面。但是我國銀行卡產(chǎn)業(yè)相比于國外較為發(fā)達(dá)的國家而言還處于初級階段，產(chǎn)業(yè)總體效率較低，有待進(jìn)一步提高發(fā)展。如何提高該產(chǎn)業(yè)的市場化競爭程度及整體盈利能力、優(yōu)化產(chǎn)業(yè)效率已經(jīng)成為我國各發(fā)卡銀行亟需解決的問題。 由此，本文在SCP范式理論指導(dǎo)下，首先對我國銀行卡產(chǎn)業(yè)的總體情況進(jìn)行定性分析；通過測算市場份額、CR4和HHI等結(jié)構(gòu)指標(biāo)，判斷得出銀行卡產(chǎn)業(yè)的市場結(jié)構(gòu)處于寡頭壟斷階段，并且呈現(xiàn)向壟斷競爭過渡的趨勢；運(yùn)用博弈論的思想，從價格行為、非價格行為角度出發(fā)，篩選典型代表樣本并對我國這些發(fā)卡企業(yè)的市場行為進(jìn)行剖析，基于銀行卡業(yè)務(wù)收入等關(guān)鍵性指標(biāo)，同時構(gòu)建了以典型發(fā)卡企業(yè)為主體的研究對象集，對我國銀行卡產(chǎn)業(yè)的市場績效進(jìn)行細(xì)化研究。 其次，本文借鑒銀行業(yè)效率的研究經(jīng)驗，利用三階段DEA模型對我國銀行卡產(chǎn)業(yè)的技術(shù)效率、純技術(shù)效率和規(guī)模效率進(jìn)行實證測度。原因在于相較于傳統(tǒng)一階段DEA模型，三階段DEA在中間測算過程中剔除了發(fā)卡機(jī)構(gòu)外部因素的影響，同時解決了傳統(tǒng)DEA模型內(nèi)在缺陷問題，有效規(guī)避了傳統(tǒng)DEA模型易受隨機(jī)誤差干擾的問題，提高了發(fā)卡單位經(jīng)營管理效率的測算精度。其中，在第一階段DEA模型中，模型以機(jī)構(gòu)發(fā)卡量和自助設(shè)備投放量為投入指標(biāo)，銀行卡業(yè)務(wù)手續(xù)費(fèi)及傭金收入為輸出變量；在第二階段SFA回歸過程中，提取了發(fā)卡機(jī)構(gòu)所有權(quán)屬性、發(fā)卡年限、營業(yè)網(wǎng)點數(shù)及企業(yè)規(guī)模等環(huán)境變量，在對這些指標(biāo)整合的基礎(chǔ)上，利用上文所述模型進(jìn)行數(shù)值回歸；而在第三階段，基于第二階段的回歸結(jié)果對初始階段的投入指標(biāo)進(jìn)行進(jìn)行調(diào)整，并利用修正后的投入指標(biāo)和初始階段的產(chǎn)出變量再次進(jìn)行DEA效率值測度，并得到最終結(jié)果。測算結(jié)果顯示：當(dāng)前我國銀行產(chǎn)業(yè)效率較低，但從長期而言呈現(xiàn)上升趨勢，且中小股份制發(fā)卡行的效率明顯高于四大國有發(fā)卡行；在剔除環(huán)境變量和隨機(jī)誤差影響后，所得到的實證結(jié)果與初始階段測算得到的效率值顯著不同，其中，針對技術(shù)效率、規(guī)模效率指標(biāo)，第三階段測算得到的效率值低于第一階段的測度結(jié)果，但就純技術(shù)效率而言，第三階段的測度數(shù)值要高于第一階段的純技術(shù)效率結(jié)果。 最后，本文基于SCP范式框架結(jié)構(gòu)，從市場結(jié)構(gòu)、市場行為和市場績效三個角度出發(fā)，分別對我國銀行卡產(chǎn)業(yè)效率問題進(jìn)行研究，在模糊分析思想指導(dǎo)下，利用灰色關(guān)聯(lián)度模型分別對市場結(jié)構(gòu)與產(chǎn)業(yè)效率、市場績效與產(chǎn)業(yè)效率的內(nèi)在關(guān)聯(lián)機(jī)制進(jìn)行定量分析，依據(jù)模型的測算，得到上述指標(biāo)之間綜合關(guān)聯(lián)程度并對其數(shù)值的大小進(jìn)行對比分析；在實證研究的基礎(chǔ)上，從有效競爭機(jī)構(gòu)的構(gòu)建、產(chǎn)業(yè)法律法規(guī)的健全、受理環(huán)境的優(yōu)化、銀行卡產(chǎn)品的創(chuàng)新等層面，對我國銀行卡產(chǎn)業(yè)的發(fā)展提出相關(guān)政策建議以期實現(xiàn)我國銀行卡產(chǎn)業(yè)效率的有效提升。
[Abstract]:The banking industry is the key media of national macro-control, as emerging industry bank bank card industry is also booming. Since 1985, China issued the first bank card, with the rapid trend of development of China's bank card industry: bank card annual card volume surge in trading volume also showed explosive growth the bank card, continue to extend the industrial chain and the scale has been expanded. As one of the important business of commercial bank debt, bank card business has penetrated into every aspect of social economy, the country. But China's bank card industry compared with foreign countries more developed in terms of the overall efficiency is still in the initial stage, the industry is relatively low, needs to be further improved. How to improve the market competition degree and overall profitability, optimize the efficiency of the industry has become China's commercial banks need to solve the problem.
Therefore, with the guidance of SCP paradigm theory, firstly analyzes the overall situation of China's bankcard industry; through the calculation of market share, CR4 and HHI structure index, determine the market structure of bank card industry is oligopoly and monopolistic competition stage, showing the trend of transition; using game theory. From the perspective of price behavior, non price behavior, analyzes the selection of typical representative sample of China and these enterprises issuing market behavior, the bank card business income and other key indicators based on the constructed research object with the typical issuing enterprises as the main body of the set, detailed study of China's bank card industry's market performance.
Secondly, the research on the basis of the experience of banking efficiency, the technical efficiency of China's banking card industry by using three stage DEA model, an empirical measure of pure technical efficiency and scale efficiency. The reason is compared to the traditional DEA model, three stage DEA excluding the impact of external factors in the middle of the issuer during the calculation process, at the same time to solve the traditional DEA model of internal defects, effectively avoid the traditional DEA model is subject to random error interference, improve the measurement accuracy of management efficiency of issuing units. Among them, in the first stage of the DEA model, the model with agency issuance and self-service equipment quantity as the input indicators, the business of the bank card fee and commission income as output variables; in the second stage SFA regression process, extract the issuer ownership attribute, the issuing period, the number of outlets and enterprise scale on the environmental variables. Based on the integration of these indicators, numerical regression using the above model; and in the third stage, the second stage regression input index of the initial stages were adjusted based on the initial stage and the use of input indicators and modified output variables again in DEA efficiency value measure and calculation to get the final result. The results showed that the efficiency of China's banking industry is relatively low, but in the long term upward trend, and the efficiency of small and medium-sized joint-stock banks was significantly higher than that of the four major state-owned banks; influence in eliminating environmental variables and random errors, efficiency is the empirical results and estimates the value of initial stage were significantly different, among them, according to the technical efficiency, scale efficiency index, efficiency third stage calculation value is lower than the measurement results in the first stage, but the pure technical efficiency measure, the third phase of the number The value is higher than the pure technical efficiency result of the first stage.
Finally, this paper based on SCP paradigm framework, from the three aspects of market structure, market behavior and market performance of studied China's bank card industry efficiency problem in fuzzy analysis, guiding ideology, using grey relational model of market structure and industry efficiency, quantitative analysis of internal mechanism of market performance and the efficiency of the industry, according to the model estimates, the above index between comprehensive correlation degree and the values were analyzed; on the basis of empirical research, from the construction of effective competition mechanism, industry laws and regulations, environment optimization, bank card product innovation and other aspects, and puts forward relevant policy suggestions in order to effectively enhance the efficiency of China's bankcard industry for the development of China's bank card industry.

【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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