發(fā)布時(shí)間：2018-01-04 23:28

  本文關(guān)鍵詞：民間資本進(jìn)入銀行業(yè)的進(jìn)入壁壘分析及策略選擇　出處：《廈門大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 民間資本 進(jìn)入壁壘 銀行業(yè)

【摘要】：目前,國(guó)務(wù)院以及銀監(jiān)會(huì)陸續(xù)出臺(tái)了多項(xiàng)關(guān)于支持和鼓勵(lì)民間資本進(jìn)入銀行業(yè)的政策意見。在這些政策的刺激下,民間資本進(jìn)入銀行業(yè)的熱情高漲,有多家企業(yè)甚至提出了設(shè)立民營(yíng)銀行的申請(qǐng)。但是民間資本進(jìn)入銀行業(yè)真的容易嗎?民間資本進(jìn)入銀行業(yè)合理的路徑選擇是機(jī)構(gòu)介入還是資本介入?這個(gè)兩個(gè)問題的解決無疑對(duì)于引導(dǎo)民間資本投資具有很強(qiáng)的現(xiàn)實(shí)意義,因此本文圍繞這兩個(gè)問題展開研究。 論文首先對(duì)我國(guó)銀行業(yè)的現(xiàn)狀以及民間資本對(duì)于銀行業(yè)的投資進(jìn)行回顧,重點(diǎn)關(guān)注我國(guó)銀行業(yè)目前的市場(chǎng)結(jié)構(gòu)、市場(chǎng)行為、市場(chǎng)績(jī)效以及民間資本在銀行業(yè)投資的主要方式及動(dòng)機(jī)。緊接著文章以影響進(jìn)入壁壘的四大因素為角度,分析了民間資本以機(jī)構(gòu)介入的方式進(jìn)入銀行業(yè)將會(huì)面臨的各種壁壘。分析結(jié)果表明,雖然目前被政策大力支持,但民間資本進(jìn)入銀行業(yè)最大的壁壘仍來自于制度性壁壘。為了獲得在這種進(jìn)入壁壘影響下民間資本應(yīng)如何進(jìn)入銀行業(yè)的答案,文章接下來的兩部分以2005-2012年的相關(guān)面板數(shù)據(jù)進(jìn)行實(shí)證分析。第一部分借鑒了Richard.C.Levin的理論模型,從規(guī)模效率、貸款關(guān)于產(chǎn)出以及利率的相對(duì)彈性來衡量行業(yè)的發(fā)展路徑是收縮還是擴(kuò)張。實(shí)證結(jié)果表明,銀行業(yè)存在著規(guī)模非效率,且貸款關(guān)于產(chǎn)出以及利率的相對(duì)彈性大于0。也就是說銀行業(yè)將面臨一個(gè)收縮路徑,行業(yè)內(nèi)銀行數(shù)目將不變或者減少,民間資本若以機(jī)構(gòu)介入的方式進(jìn)入銀行業(yè)將會(huì)面臨較大的壓力。第二部分則從股權(quán)結(jié)構(gòu)與銀行經(jīng)營(yíng)績(jī)效的相關(guān)關(guān)系來驗(yàn)證民間資本以資本介入方式進(jìn)入銀行的合理性,實(shí)證結(jié)果表明,不同的股權(quán)結(jié)構(gòu)對(duì)銀行經(jīng)營(yíng)績(jī)效存在顯著影響,民間資本對(duì)銀行業(yè)的資本投資將明顯改善銀行業(yè)的收益率及不良貸款率。 綜合上述分析,文章認(rèn)為民間資本應(yīng)該規(guī)避進(jìn)入壁壘,參與銀行業(yè)的股權(quán)改革即選擇資本介入的方式進(jìn)入銀行業(yè),并在此基礎(chǔ)上從民間資本、銀行業(yè)、相關(guān)監(jiān)管機(jī)構(gòu)三個(gè)層面提出了策略建議。
[Abstract]:At present, the State Council and the China Banking Regulatory Commission have issued a number of support and encourage private capital into the banking sector policies. In these policy stimulus, private capital into the banking sector's enthusiasm, several companies have even proposed the establishment of private banks to apply. But the private capital into the banking sector really easy? Selection is institution intervention or capital intervention into the path of a reasonable banking private capital? To solve the two problems undoubtedly has great practical significance to guide the private capital investment, so this paper focuses on these two issues.
Firstly, review the status quo of China's banking industry and private capital investment for the banking industry, focusing on China's banking market structure, the market behavior, market performance and the main mode of private capital in the banking and investment motivation. Then the four factors to influence the entry barriers for various angles the barriers of private capital to enter the institutions involved in the banking sector will face. The results show that although there is policy support, but private capital into the banking industry's biggest barriers still comes from institutional barriers. In order to obtain private capital into the banking sector to the entry barriers effects of the two answers. The next part related to the 2005-2012 panel data for empirical analysis. The first part from the theoretical model of Richard.C.Levin, the scale efficiency, loan The development path of output and the interest rate elasticity relative to measure industry is contraction or expansion. The empirical results show that banking is scale inefficient, and the loan interest rate and the relative elasticity of output is more than 0. banks will face a shrinking path, the number of banks in the industry will be the same or less involved in private in terms of capital institutions ways to enter the banking sector will face greater pressure. The second part is from the correlation between ownership structure and operating performance of the bank to verify the private capital to enter the bank capital intervention is reasonable, the empirical results show that different ownership structure on bank performance significantly affect the rate of return on capital investment of private capital the banking industry will significantly improve the banking industry and the rate of bad loans.
Based on the above analysis, the article argues that private capital should avoid entry barriers and take part in the banking equity reform, that is, the way of capital intervention into the banking industry. On this basis, it puts forward some strategic recommendations from three levels: private capital, banking industry and related regulatory agencies.

【學(xué)位授予單位】：廈門大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.3

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