本文選題：中小商業(yè)銀行　切入點(diǎn)：經(jīng)營(yíng)績(jī)效　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：中小商業(yè)銀行是銀行業(yè)的重要組成部分,和大型商業(yè)銀行相輔相成,共同組成完善的銀行體系,是銀行業(yè)持續(xù)健康發(fā)展的基礎(chǔ)和前提。在過(guò)去的30年中,由股份制商業(yè)銀行、城市商業(yè)銀行、農(nóng)村商業(yè)銀行共同組成的中小商業(yè)銀行發(fā)展迅速,資產(chǎn)規(guī)模、市場(chǎng)份額及綜合競(jìng)爭(zhēng)力持續(xù)提高。中小銀行的出現(xiàn)和興起,填補(bǔ)了我國(guó)金融服務(wù)業(yè)部分領(lǐng)域的空白,擴(kuò)大了金融服務(wù)的領(lǐng)域和范疇,提升了金融機(jī)構(gòu)地方性發(fā)展的服務(wù)水平,促進(jìn)了我國(guó)金融服務(wù)業(yè)整體的服務(wù)能力,并且也帶動(dòng)了其他金融機(jī)構(gòu)的發(fā)展。同時(shí),我國(guó)中小商業(yè)銀行也面臨著發(fā)展過(guò)程中一些不可忽視的問(wèn)題,如資產(chǎn)規(guī)模較小、分支機(jī)構(gòu)數(shù)量較少、市場(chǎng)信譽(yù)較低等狀況,使得其業(yè)務(wù)能力大大降低,經(jīng)營(yíng)績(jī)效受到影響。因此,深入探究影響我國(guó)中小銀行經(jīng)營(yíng)績(jī)效的因素,對(duì)我國(guó)當(dāng)前金融界研究有著重要意義。本文在確定經(jīng)營(yíng)績(jī)效的評(píng)價(jià)體系的基礎(chǔ)上,選取中小銀行作為研究對(duì)象,結(jié)合該行業(yè)在我國(guó)發(fā)展的現(xiàn)狀,運(yùn)用定性與定量相結(jié)合的分析方法對(duì)我國(guó)中小商業(yè)銀行經(jīng)營(yíng)績(jī)效與其影響因素之間的關(guān)系進(jìn)行了深入研究。以期為優(yōu)化我國(guó)中小銀行的經(jīng)營(yíng)能力提供理論借鑒,對(duì)其進(jìn)行經(jīng)營(yíng)決策提供指導(dǎo)。本文主要分為以下四個(gè)部分:第一部分,理論分析。首先明確本文研究背景、目的與意義,在對(duì)相關(guān)文獻(xiàn)進(jìn)行歸納整合的基礎(chǔ)上,結(jié)合我國(guó)中小銀行現(xiàn)今的成長(zhǎng)狀況,分析影響我國(guó)中小銀行經(jīng)營(yíng)績(jī)效的因素,奠定理論基礎(chǔ)。第二部分,一般分析。首先從四個(gè)方面分析我國(guó)中小銀行的經(jīng)營(yíng)績(jī)效,然后從微觀和宏觀兩個(gè)層面上對(duì)影響因素進(jìn)行了分析。采用總資產(chǎn)收益率(ROA)、不良貸款率(BLR)、存貸比(ODR)和總資產(chǎn)增長(zhǎng)率(TAGR)作為衡量我國(guó)中小銀行經(jīng)營(yíng)績(jī)效的被解釋變量;采用中小商業(yè)銀行上市與否(IPO)、總資產(chǎn)(Capital)、分支機(jī)構(gòu)數(shù)量(Branch)、本科及以上學(xué)歷員工比例(XLabor)和在職員工數(shù)量(Labor)作為衡量微觀影響因素的解釋變量;并且,引入GDP指數(shù)(上一年=100)作為衡量宏觀影響因素的控制變量。第三部分,實(shí)證分析。選取我國(guó)30家信息披露比較充分的股份行及城商行2010年——2014年的數(shù)據(jù)進(jìn)行回歸分析,構(gòu)建四個(gè)面板數(shù)據(jù)模型,研究各個(gè)因素對(duì)經(jīng)營(yíng)績(jī)效的影響。第四部分,研究結(jié)論與研究不足。綜合前三部分的分析結(jié)果,本文的研究結(jié)論表明:中小銀行是否選擇IPO對(duì)其經(jīng)營(yíng)績(jī)效的各個(gè)指標(biāo)均無(wú)顯著影響;本科及以上學(xué)歷員工占比對(duì)中小商業(yè)銀行的效益性和安全性有顯著的正向影響;總資產(chǎn)對(duì)中小商業(yè)銀行效益性和安全性存在顯著負(fù)向影響,對(duì)成長(zhǎng)性存在顯著正向影響;分支機(jī)構(gòu)數(shù)量對(duì)中小商業(yè)銀行的流動(dòng)性存在顯著正向影響;GDP指數(shù)與中小商業(yè)銀行的效益性、安全性顯著負(fù)相關(guān),與成長(zhǎng)性顯著正相關(guān)。最后,本文指出了一些研究中存在的不足之處,希望在后續(xù)的研究中能夠得到改進(jìn)。
[Abstract]:Small and medium-sized commercial banks are an important part of the banking industry, complement each other with large commercial banks and form a sound banking system, which is the foundation and prerequisite for the sustained and healthy development of the banking industry. In the past 30 years, the joint-stock commercial banks, The small and medium-sized commercial banks composed of city commercial banks and rural commercial banks have developed rapidly, and their assets, market share and comprehensive competitiveness have been continuously improved. It has filled the gap in some areas of financial services in China, expanded the field and scope of financial services, enhanced the service level of local development of financial institutions, and promoted the overall service capacity of financial services in China. At the same time, the small and medium-sized commercial banks in our country are also facing some problems that can not be ignored in the process of development, such as the small scale of assets, the small number of branches, the low credit standing of the market and so on. The business ability is greatly reduced and the operating performance is affected. Therefore, the factors that affect the operating performance of the small and medium-sized banks in China are deeply explored. On the basis of determining the evaluation system of business performance, this paper selects the small and medium-sized banks as the research object, combined with the current development of the industry in China. The relationship between the performance of small and medium-sized commercial banks in China and its influencing factors is deeply studied by using the qualitative and quantitative analysis method in order to provide theoretical reference for optimizing the management ability of the small and medium-sized commercial banks in China. This paper is divided into the following four parts: the first part, theoretical analysis. First, clear the research background, purpose and significance of this paper, on the basis of summarizing and integrating the relevant documents, Combined with the current growth situation of the small and medium banks in China, this paper analyzes the factors that affect the operating performance of the small and medium-sized banks in our country, and lays a theoretical foundation. The second part, the general analysis, first analyzes the operating performance of the small and medium-sized banks in our country from four aspects. Then the paper analyzes the influencing factors from the micro and macro aspects. It uses the total return rate of assets (ROA), the ratio of non-performing loans (NPL), the ratio of deposit to loan (ODR) and the total growth rate of assets (TAGR) as the explained variables to measure the performance of small and medium-sized banks in China. Using IPO, total assets, number of branches, ratio of employees with undergraduate degree and above, and number of in-service employees as explanatory variables to measure microcosmic influence factors; The GDP index (last year) is introduced as the control variable to measure the macro influence factors. The third part, empirical analysis, selects the data of 30 stock banks with full information disclosure and the city commercial bank from 2010 to 2014 to carry on the regression analysis. Build four panel data models to study the impact of each factor on business performance. 4th parts, research conclusions and research deficiencies. Synthesis of the first three parts of the analysis results, The conclusion of this paper shows that whether small and medium-sized banks choose IPO has no significant influence on each index of their operating performance, and the proportion of employees with undergraduate degree or above has a significant positive effect on the efficiency and security of small and medium-sized commercial banks. The total assets have a significant negative effect on the efficiency and security of small and medium-sized commercial banks, and a significant positive impact on the growth of small and medium-sized commercial banks. The number of branches has a significant positive effect on the liquidity of small and medium-sized commercial banks. The GDP index has a significant negative correlation with the efficiency of small and medium-sized commercial banks, and has a significant negative correlation with the security, and a significant positive correlation with the growth of small and medium-sized commercial banks. Finally, This paper points out the shortcomings of some studies and hopes to be improved in the following research.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33

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