本文選題：商業(yè)銀行 + 市場勢力�。� 參考：《重慶大學(xué)》2014年碩士論文

【摘要】：在我國，銀行作為資金配置的重要部門，，以及在經(jīng)濟發(fā)展過程中所處的戰(zhàn)略地位和支配地位，使得銀行在市場結(jié)構(gòu)方面具有高的壟斷性。近年來，數(shù)據(jù)顯示中國的金融結(jié)構(gòu)，特別是以銀行業(yè)為代表的間接金融中介已更具市場導(dǎo)向，四大國有銀行的市場勢力（Market Power）逐步降低，而股份制銀行、城市商業(yè)銀行的市場勢力不斷提高。各行市場勢力的轉(zhuǎn)變促進了行業(yè)結(jié)構(gòu)的變化，競爭力的加大致使傳統(tǒng)信貸業(yè)務(wù)的利潤受到擠壓，中國銀行業(yè)逐漸將業(yè)務(wù)重點從以凈利息收入為基礎(chǔ)的傳統(tǒng)信貸業(yè)務(wù)轉(zhuǎn)移到各種非利息業(yè)務(wù)中，掀起了業(yè)務(wù)多元化轉(zhuǎn)型的浪潮，非利息收入成為商業(yè)銀行繼凈利息收入之后的又一項重要收入來源。隨著競爭結(jié)構(gòu)改變而展開的收入多元化能否提高商業(yè)銀行績效是一個十分值得研究的話題。因此，探討市場勢力、收入多元化與商業(yè)銀行績效之間的內(nèi)在機理和關(guān)系對審視中國銀行業(yè)務(wù)發(fā)展現(xiàn)狀和風(fēng)險績效評價具有重要意義。 本文根據(jù)產(chǎn)業(yè)組織理論S-C-P范式的基本理論為基礎(chǔ)，首先介紹了中國商業(yè)銀行業(yè)的制度變遷以及由此而引起的商業(yè)銀行行業(yè)結(jié)構(gòu)的變化，重點闡述商業(yè)銀行市場勢力的變化程度與其發(fā)展趨勢。其次分析了我國商業(yè)銀行開展非利息收入的背景及趨勢。最后構(gòu)建了市場勢力、非利息收入與商業(yè)銀行績效的計量模型；然后利用中國15家主要商業(yè)銀行2003-2011年的數(shù)據(jù)，實證測度了中國商業(yè)銀行市場勢力、非利息收入占比以及商業(yè)銀行的績效，并對實證結(jié)果進行了分析。在此基礎(chǔ)上提出了可操作性的政策建議。
[Abstract]:In China, banks, as an important sector of capital allocation, as well as the strategic position and dominant position in the process of economic development, make banks have a high monopoly in the market structure. In recent years, data show that China's financial structure, especially the indirect financial intermediation represented by the banking industry, has become more market-oriented, with the market power of the four major state-owned banks gradually declining, and the joint-stock banks, The market power of city commercial bank is increasing continuously. The transformation of market forces in various banks has promoted changes in the structure of the industry, and increased competitiveness has squeezed the profits of the traditional credit business. China's banking industry has gradually shifted its business focus from traditional credit business based on net interest income to various non-interest businesses, which has set off a wave of diversified business transformation. Non-interest income has become another important source of income for commercial banks after net interest income. Whether income diversification can improve the performance of commercial banks with the change of competition structure is a topic worth studying. Therefore, it is of great significance to explore the internal mechanism and relationship between market power, income diversification and commercial bank performance. Based on the basic theory of S-C-P paradigm of industrial organization theory, this paper first introduces the institutional changes of China's commercial banking and the changes in the industrial structure of commercial banks. Focus on the commercial bank market power changes and its development trend. Secondly, the background and trend of non-interest income of commercial banks in China are analyzed. Finally, the paper constructs a measurement model of market power, non-interest income and commercial bank performance, and then uses the data of 15 major commercial banks in China from 2003 to 2011 to empirically measure the market power of Chinese commercial banks. The proportion of non-interest income and the performance of commercial banks are analyzed. On this basis, the operational policy recommendations are put forward.
【學(xué)位授予單位】：重慶大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F832.2

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