本文選題：商業(yè)銀行 + 經營效率��； 參考：《遼寧大學》2014年博士論文

【摘要】：在經濟金融全球化的國際背景下，金融業(yè)的對外開放和融入國際社會的程度也進一步加深。商業(yè)銀行是金融體系的重要經濟主體，其經營和發(fā)展不僅要受到全球化背景的影響，而且其經營績效的結果關系到國民經濟發(fā)展的命脈。而對商業(yè)銀行業(yè)績評價逐漸集中在效率研究上，銀行業(yè)效率的高低將會直接影響我國整個金融體系的運行效率，而且也會對經濟運行的有效性和經濟資源的最終配置效率產生影響。近年來金融界和學術界已將對商業(yè)銀行效率的研究視為一個重點課題，研究內容包括：我國商業(yè)銀行效率的現狀如何？影響我國商業(yè)銀行效率的因素有哪些？應該如何提升我國商業(yè)銀行的經營效率？這些都是我國銀行業(yè)面臨的一系列問題，而本文正是從這些問題出發(fā)，從銀行效率測度和影響效率因素兩個角度對我國商業(yè)銀行進行研究。 在借鑒國內外研究成果的基礎上，本文的研究從以下幾個方面展開：（1）根據目前銀行效率研究的主流方向——前沿效率視角，對銀行經營效率進行界定，并給出經營效率測度的非參數方法。然后依此對我國2007至2012年商業(yè)銀行的經營效率測度，并分析了銀行的投入冗余和產出不足問題，以及銀行規(guī)模與經營效率的關系分析。（2）在近幾年關于如何提高我國銀行效率的討論熱潮中，產權結構和市場結構是兩個重要因素。而這兩個關鍵因素對銀行經營效率產生影響時并不是相互獨立的，產權結構對銀行所產生的激勵約束作用與市場結構所形成的行業(yè)競爭性有關；競爭性的市場結構可以促進產權結構的完善，壟斷性的市場結構則限制產權結構的作用發(fā)揮。因此本文基于雙重視角將產權結構和市場結構結合起來分析其對銀行經營效率的影響。（3）銀行在內部經營上存在個體差異，，從而其經營效率也會產生不同，本文從實證上也考慮了內部結構因素對銀行經營效率的影響。（4）在上述實證研究結果的基礎上從宏觀經濟環(huán)境、市場競爭環(huán)境、產權激勵約束環(huán)境以及銀行經營的內部結構上提出提升我國銀行經營效率的政策建議。 在研究方法上，本文將定性分析與定量分析相結合，多方面多視角分析經營效率的影響因素以求對我國銀行經營效率進行全面的研究，并在以下方面進行了創(chuàng)新：（1）在對銀行經營效率測度時，將風險因素考慮在內，體現銀行與一般企業(yè)的不同。（2）對銀行經營效率的影響因素分析時，采用了一個新的分析框架，首先利用DEA一階段效率值分析產權、市場結構等環(huán)境影響因素對效率的影響，然后利用三階段DEA模型剔除環(huán)境因素對銀行經營效率的影響，對效率進行再測度，進而考慮商業(yè)銀行內部經營因素對效率的影響，這與其他研究中直接對影響因素作回歸分析是不同的。
[Abstract]:In the international background of economic and financial globalization, the degree of financial industry opening to the outside world and integration into the international community has also deepened. Commercial bank is an important economic subject in the financial system. Its operation and development are not only affected by the background of globalization, but also the result of its management performance is related to the lifeblood of national economic development. On the other hand, the performance evaluation of commercial banks is gradually focused on the study of efficiency, and the efficiency of the banking industry will directly affect the operational efficiency of the entire financial system of our country. It will also have an impact on the efficiency of economic operation and the final allocation of economic resources. In recent years, the research on the efficiency of commercial banks has been regarded as a key topic in the financial and academic circles. The research contents include: what is the current situation of the efficiency of commercial banks in China? What are the factors that affect the efficiency of commercial banks in China? How to improve the operational efficiency of commercial banks in China? These are a series of problems faced by China's banking industry, and this paper studies the commercial banks of our country from the perspective of the measurement of bank efficiency and the factors affecting efficiency. On the basis of the domestic and foreign research results, this paper starts the research from the following aspects: 1) according to the mainstream direction of bank efficiency research-frontier efficiency perspective, the paper defines the banking operation efficiency. The nonparametric method for measuring the operational efficiency is also given. Then the paper measures the operational efficiency of commercial banks in China from 2007 to 2012, and analyzes the problems of input redundancy and insufficient output of banks. Analysis of the relationship between Bank size and Operation efficiency in recent years, property right structure and market structure are two important factors in the discussion of how to improve banking efficiency in China. However, these two key factors are not independent of each other when they affect the efficiency of bank management. The incentive and restraint effect of property right structure on banks is related to the industry competitiveness formed by market structure. The competitive market structure can promote the perfection of the property right structure, while the monopoly market structure limits the function of the property right structure. Therefore, this paper combines the property right structure with the market structure to analyze the influence of the property right structure and the market structure on the operation efficiency of the banks. (3) there are individual differences in the internal management of the banks, so the operating efficiency of the banks will also be different. This paper also considers the influence of internal structure factors on the efficiency of bank management. (4) on the basis of the above empirical research results, from the macroeconomic environment, market competition environment, In terms of the incentive and constraint environment of property right and the internal structure of bank management, some suggestions are put forward to improve the efficiency of bank management in China. In terms of research methods, this paper combines qualitative analysis with quantitative analysis, and analyzes the influencing factors of operational efficiency from many aspects and multiple perspectives in order to conduct a comprehensive study on the operational efficiency of banks in China. And in the following aspects of innovation: 1) when measuring the operational efficiency of banks, taking risk factors into account and reflecting the differences between banks and ordinary enterprises, we adopt a new analytical framework. Firstly, the paper analyzes the effect of environmental factors such as property right, market structure and other environmental factors on efficiency by using DEA one-stage efficiency value. Then, the three-stage DEA model is used to eliminate the environmental factors' influence on the efficiency of banks, and then to re-measure the efficiency. And then consider the influence of internal management factors on efficiency, which is different from other studies in the direct regression analysis of influencing factors.
【學位授予單位】：遼寧大學
【學位級別】：博士
【學位授予年份】：2014
【分類號】：F832.33

【參考文獻】

相關期刊論文 前10條

1 呂素香;金融業(yè)范圍經濟研究[J];財經問題研究;2004年07期

2 楊桂苓;;商業(yè)銀行信用卡規(guī)模經濟分析[J];財會通訊;2011年18期

3 謝朝華;卿楊;;我國商業(yè)銀行的X-效率及其影響因素的實證研究:2001～2009年[J];財經理論與實踐;2011年05期

4 陳守東;劉芳;;商業(yè)銀行經營效率評價與影響因素分析[J];財貿經濟;2006年12期

5 龐瑞芝;張艷;薛偉;;中國上市銀行經營效率的影響因素——基于Tobit回歸模型的二階段分析[J];金融論壇;2007年10期

6 李庚寅,徐少華;國外銀行業(yè)X-效率研究現狀及其啟示[J];當代財經;2004年07期

7 譚政勛;我國商業(yè)銀行效率的影響因素:產權制度還是市場結構[J];當代財經;2005年11期

8 許曉雯;時鵬將;;我國商業(yè)銀行經濟效率及影響因素分析[J];當代經濟科學;2006年01期

9 丁志杰,王秀山,白欽先;金融體系重組中國有銀行產權改革的國際經驗[J];國際金融研究;2002年04期

10 奚君羊,曾振宇;我國商業(yè)銀行的效率分析——基于參數估計的經驗研究[J];國際金融研究;2003年05期

相關博士學位論文 前9條

1 付雯雯;中國商業(yè)銀行的效率與風險研究[D];華中科技大學;2011年

2 陳曉衛(wèi);中國商業(yè)銀行效率評價及影響因素研究[D];電子科技大學;2011年

3 何蛟;中國商業(yè)銀行效率及其影響因素研究[D];重慶大學;2010年

4 高明;基于非參數方法的中國商業(yè)銀行效率研究[D];天津大學;2010年

5 張鑫;國有商業(yè)銀行產權制度改革效應評析[D];吉林大學;2012年

6 李棟;中國商業(yè)銀行效率實證研究[D];天津大學;2008年

7 劉宏;基于多視角的我國商業(yè)銀行盈利能力研究[D];吉林大學;2010年

8 黃昱琪;臺灣地區(qū)商業(yè)銀行經營效率研究[D];暨南大學;2009年

9 孔偉艷;國有控股商業(yè)銀行產權改革問題研究[D];中共中央黨校;2010年

本文編號：1855107