本文選題：中資銀行 + 境外戰(zhàn)略投資者��； 參考：《復旦大學》2014年碩士論文

【摘要】：本文首先回顧了銀行效率理論、產權理論與銀行業(yè)跨國投資動因理論,介紹了學界對銀行業(yè)引入境外戰(zhàn)略投資者的討論。接著,對中資銀行引入境外戰(zhàn)略投資者的動因進行分析,發(fā)現對中資銀行,引資有助于提升其在國際市場的形象,提高資本充足率,完善公司治理結構,學習先進的管理經驗,從而增強競爭力；對境外戰(zhàn)略投資者,參股可以共享東道國銀行的客戶資源與本土經驗,以最低成本打開市場,而且可獲得較高經濟收益。在此基礎上,簡要梳理了中資銀行引資的四階段歷程,期間,引資規(guī)模不斷擴大,合作方式和對象多元化。在第三章中,本文選擇了14家財務數據完整的引入外資股權的中資銀行,將其分為國有商業(yè)銀行、股份制商業(yè)銀行和城市商業(yè)銀行三組,基于各銀行年度財務報表數據,使用的評價體系為駱駝信用評級指標體系,考察中資銀行被參股后在資本充足率、資產質量、管理水平、盈利水平和流動性等方面的成效,結果表明：引入外資后,國有商業(yè)銀行的績效提高幅度,總體優(yōu)于非國有商業(yè)銀行；對于后者,境外戰(zhàn)略投資者使其在管理水平上得到較為顯著的改善。進一步,本文從上述三組中,選取交通銀行、興業(yè)銀行和寧波銀行三家具有代表性的中資銀行引資實例,分析境外戰(zhàn)略投資者對中資銀行的實際影響,即境外戰(zhàn)略投資者能夠優(yōu)化中資銀行股權構成,協(xié)助中資銀行積極拓展業(yè)務領域和培養(yǎng)專業(yè)人才。我國在引進境外戰(zhàn)略投資者的過程中也存在一些問題,例如2008年以來的“減持事件”。因此我國銀行業(yè)應審慎考察引資機構,選擇與自身相匹配的合作對象。中資銀行引入境外戰(zhàn)略投資者后,應結合自身業(yè)務和資源特點,有選擇的消化合作伙伴積累的國際領先經營經驗,最終達到提高自身競爭力的目的。政府應逐步完善對境外戰(zhàn)略投資者的監(jiān)管制度,對市場進入和退出做出嚴格限制。
[Abstract]:Firstly, this paper reviews the theory of bank efficiency, property rights and the theory of transnational investment motivation of banking industry, and introduces the discussion on the introduction of foreign strategic investors in banking industry.Then, by analyzing the motivation of Chinese banks to introduce foreign strategic investors, we find that attracting foreign investment will help to improve their image in the international market, improve the capital adequacy ratio, perfect the corporate governance structure, and learn advanced management experience.For foreign strategic investors, they can share the customer resources and local experience of the host country bank, open the market at the lowest cost, and obtain higher economic benefits.On this basis, this paper briefly combs the four-stage process of attracting foreign investment by Chinese banks. During this period, the scale of foreign investment is constantly expanded, and the cooperation mode and object are diversified.In the third chapter, this paper selects 14 Chinese banks with complete financial data to introduce foreign equity, and divides them into three groups: state-owned commercial banks, joint-stock commercial banks and city commercial banks, which are based on the annual financial statement data of each bank.The evaluation system used is the camel credit rating index system. The results show that after the Chinese banks are invested in the stock market, they are effective in the aspects of capital adequacy ratio, asset quality, management level, profit level and liquidity, etc. The results show that: after the introduction of foreign capital,The performance of state-owned commercial banks is better than that of non-state-owned commercial banks on the whole, and for the latter, the management level of foreign strategic investors has been improved significantly.Further, from the above three groups, this paper selects three representative examples of Bank of Communications, Industrial Bank and Ningbo Bank to analyze the actual impact of foreign strategic investors on Chinese banks.That is, foreign strategic investors can optimize the equity structure of Chinese banks, assist them to actively expand their business areas and train professionals.China also has some problems in the process of introducing foreign strategic investors, such as the "reduction event" since 2008.Therefore, China's banking industry should carefully investigate the institution of foreign investment and choose the object of cooperation with itself.After introducing foreign strategic investors, Chinese banks should combine their own business and resource characteristics, selectively digest the international leading management experience accumulated by their partners, and finally achieve the goal of improving their own competitiveness.The government should gradually perfect the supervision system for foreign strategic investors and make strict restrictions on market entry and exit.
【學位授予單位】：復旦大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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相關期刊論文 前1條

1 毛寅;;我國商業(yè)銀行引進境外投資者的福利效應分析[J];商業(yè)時代;2013年02期

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本文編號：1742630