本文選題：商業(yè)銀行 + 資本結(jié)構(gòu)　； 參考：《首都經(jīng)濟貿(mào)易大學》2017年碩士論文

【摘要】：隨著我國金融市場市場化程度越來越深,我國金融行業(yè)面對國際化的挑戰(zhàn)也越來越嚴峻,再加上近年來中小型商業(yè)銀行的迅猛發(fā)展和互聯(lián)網(wǎng)金融的異軍突起,致使國內(nèi)金融業(yè)競爭日益激烈,金融環(huán)境越來越復(fù)雜。作為在金融行業(yè)中占主導地位的商業(yè)銀行又經(jīng)營者特殊業(yè)務(wù),面對日益復(fù)雜的外部環(huán)境,商業(yè)銀行要想保持競爭中的優(yōu)勢,提高風險管理能力和經(jīng)營績效是亟需解決的問題,而優(yōu)化資本結(jié)構(gòu)在提升經(jīng)營績效方面具有重要作用,已經(jīng)上市的商業(yè)銀行在資產(chǎn)規(guī)模和質(zhì)量上具有相對優(yōu)勢。因此,本文選用我國在A股上市的商業(yè)銀行作為樣本,分析其資本結(jié)構(gòu)對經(jīng)營績效的影響及影響機制,然后根據(jù)研究結(jié)果提出合理化建議,為還未上市的商業(yè)銀行提供相關(guān)借鑒。本文以2008-2015年我國16家A股上市商業(yè)銀行作為研究樣本,通過查找衡量資本結(jié)構(gòu)和經(jīng)營績效的數(shù)據(jù),運用因子分析法得出反映商業(yè)銀行經(jīng)營績效的綜合指標,將商業(yè)銀行分為大型商業(yè)銀行和中小型商業(yè)銀行分別進行多元回歸分析,對兩種類型的商業(yè)銀行的實證結(jié)果進行對比分析,然后對我國上市商業(yè)銀行如何從優(yōu)化資本結(jié)構(gòu)視角提升經(jīng)營績效提出相關(guān)政策建議。從實證結(jié)果來看,大型商業(yè)銀行與中小商業(yè)銀行資本結(jié)構(gòu)對各自經(jīng)營績效的影響存在異同之處。相同的是附屬資本占核心資本的比例、資本充足率對經(jīng)營績效的影響關(guān)系;不同的是兩類上市商業(yè)銀行股權(quán)結(jié)構(gòu)對經(jīng)營績效影響存在較大區(qū)別,中小上市商業(yè)銀行具有國有性質(zhì)及適當?shù)墓蓹?quán)集中度對于提高經(jīng)營績效具有促進作用,而大型商業(yè)銀行的股權(quán)集中度與經(jīng)營績效呈負相關(guān)關(guān)系,就資產(chǎn)規(guī)模而言,對規(guī)模不同的銀行對經(jīng)營績效的影響也存在差異。
[Abstract]:With the deepening marketization of our financial market, our financial industry is facing more and more serious challenges of internationalization, coupled with the rapid development of small and medium-sized commercial banks and the emergence of Internet finance in recent years. As a result, the domestic financial industry competition is becoming increasingly fierce, the financial environment is becoming more and more complex. As the leading commercial banks in the financial industry and special business operators, in the face of increasingly complex external environment, commercial banks want to maintain the advantages in the competition, improve risk management ability and management performance is the urgent problem to be solved. The optimization of capital structure plays an important role in improving management performance. Commercial banks that have already listed have comparative advantages in asset size and quality. Therefore, this paper selects commercial banks listed in A shares as samples to analyze the impact of capital structure on operating performance and its mechanism, and then puts forward reasonable suggestions according to the results of the research. For the commercial banks that have not yet listed on the market to provide relevant reference. In this paper, 16 A-share listed commercial banks in China from 2008 to 2015 are taken as the research samples. By looking up the data to measure the capital structure and the operating performance, the author obtains the comprehensive index of the commercial banks' operating performance by using factor analysis method. The commercial banks are divided into large commercial banks and small and medium-sized commercial banks. The empirical results of the two types of commercial banks are compared and analyzed. Then it puts forward some policy suggestions on how to optimize the capital structure of Chinese listed commercial banks. From the empirical results, there are similarities and differences between the capital structure of large commercial banks and small and medium-sized commercial banks on their performance. The same is the proportion of subsidiary capital to core capital, and the influence of capital adequacy ratio on operating performance. The small and medium-sized listed commercial banks have the state-owned nature and the appropriate equity concentration degree to improve the management performance, while the large commercial banks have negative correlation between the ownership concentration degree and the operating performance, as far as the asset scale is concerned, There are also differences in the impact on operating performance of banks with different size.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33;F830.42

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