本文選題：跨區(qū)域擴(kuò)張 + 城市商業(yè)銀行�。� 參考：《哈爾濱商業(yè)大學(xué)》2017年碩士論文

【摘要】：近年來,隨著我國經(jīng)濟(jì)的不斷發(fā)展,城市商業(yè)銀行已成為我國金融體系的重要組成部分。城市商業(yè)銀行跨區(qū)域經(jīng)濟(jì)交流伴隨著我國經(jīng)濟(jì)的發(fā)展和對跨區(qū)域擴(kuò)張管制的放松持續(xù)增強(qiáng),城市商業(yè)銀行突破原有的單一城市發(fā)展模式向總分支行模式發(fā)展,在全國范圍內(nèi)掀起了跨區(qū)域擴(kuò)張的浪潮。截止2015年底,我國共有132家城市商業(yè)銀行,其中約96家在不同程度上實(shí)現(xiàn)了跨區(qū)域擴(kuò)張。為有效判斷跨區(qū)域擴(kuò)張對城市商業(yè)銀行經(jīng)營效率的影響,本文在城市商業(yè)銀行跨區(qū)域擴(kuò)張的大背景下,選取了我國40家樣本城市商業(yè)銀行2011年至2015年的經(jīng)營數(shù)據(jù),然后利用BCC-DEA和Malmquist生產(chǎn)率指數(shù)對城市商業(yè)銀行的效率從靜態(tài)和動態(tài)兩個角度進(jìn)行測算分析,在此基礎(chǔ)上運(yùn)用面板Tobit模型考察跨區(qū)域擴(kuò)張對城市商業(yè)銀行效率的影響。本研究首先通過闡述該領(lǐng)域的研究背景及意義,對國內(nèi)外有關(guān)城市商業(yè)銀行的研究現(xiàn)狀、研究方法和分析思路進(jìn)行評述,并在此基礎(chǔ)上提出了本文可能存在的創(chuàng)新與不足。分析和梳理了跨區(qū)域擴(kuò)張與城市商業(yè)銀行效率關(guān)系的理論,主要包括銀行效率理論、銀行效率測度理論和跨區(qū)域擴(kuò)張所帶來的經(jīng)濟(jì)效率理論,奠定了本研究的理論基礎(chǔ)。對城市商業(yè)銀行跨區(qū)域擴(kuò)張的現(xiàn)狀進(jìn)行分析,從城市商業(yè)銀行跨區(qū)域擴(kuò)張的發(fā)展歷程、擴(kuò)張模式以及發(fā)展現(xiàn)狀三個方面分別闡述。通過城市商業(yè)銀行經(jīng)營效率實(shí)證研究,將BCC-DEA和Malmquist生產(chǎn)率指數(shù)結(jié)合,從動態(tài)和靜態(tài)兩個角度對城市商業(yè)銀行的效率進(jìn)行了定量測度,在靜態(tài)效率方面具體分析了 40家樣本城市商業(yè)銀行技術(shù)效率、純技術(shù)效率和規(guī)模效率,在動態(tài)效率方面就Malmquist生產(chǎn)率指數(shù)及其分解結(jié)果進(jìn)行了詳細(xì)分析。通過構(gòu)建面板Tobit模型分析了跨區(qū)域擴(kuò)張對銀行效率的影響,結(jié)果表明我國城市商業(yè)銀行可以通過跨區(qū)域擴(kuò)張實(shí)現(xiàn)銀行效率的提升。最后,通過前述幾章的研究分析得出相關(guān)結(jié)論并對城市商業(yè)銀行的跨區(qū)域擴(kuò)張?zhí)峁﹨⒖家庖�。綜上所述,跨區(qū)域擴(kuò)張對城市商業(yè)銀行的效率提升具有積極的正向作用,城市商業(yè)銀行應(yīng)實(shí)施積極的跨區(qū)域擴(kuò)張戰(zhàn)略。
[Abstract]:In recent years, with the development of our economy, urban commercial banks have become an important part of our financial system. With the economic development of our country and the relaxation of trans-regional expansion and control, the urban commercial banks break through the single urban development model and develop to the total sub-branch mode. A wave of cross-regional expansion has been launched across the country. Up to the end of 2015, there are 132 urban commercial banks in China, of which 96 have achieved cross-regional expansion to varying degrees. In order to judge the effect of cross-regional expansion on the operational efficiency of urban commercial banks, this paper selects 40 sample urban commercial banks from 2011 to 2015 under the background of cross-regional expansion of urban commercial banks. Then we use BCC-DEA and Malmquist productivity index to measure and analyze the efficiency of urban commercial banks from the static and dynamic aspects, and then use the panel Tobit model to investigate the impact of cross-regional expansion on the efficiency of urban commercial banks. Firstly, the research background and significance of this field are expounded, and the research status, research methods and analysis ideas of urban commercial banks at home and abroad are reviewed. On the basis of this, the possible innovations and shortcomings of this paper are put forward. This paper analyzes and combs the theories of the relationship between cross-regional expansion and the efficiency of urban commercial banks, including the theory of bank efficiency, the theory of measurement of bank efficiency and the theory of economic efficiency brought about by cross-regional expansion, which lays the theoretical foundation of this study. This paper analyzes the current situation of cross-regional expansion of urban commercial banks, and expounds the development course, expansion mode and current situation of cross-regional expansion of urban commercial banks. Based on the empirical study of the operational efficiency of urban commercial banks, this paper combines BCC-DEA and Malmquist productivity index to measure the efficiency of urban commercial banks from the dynamic and static aspects. In the aspect of static efficiency, the technical efficiency, pure technical efficiency and scale efficiency of 40 sample city commercial banks are analyzed in detail. In dynamic efficiency, the Malmquist productivity index and its decomposition results are analyzed in detail. The effect of cross-regional expansion on bank efficiency is analyzed by building panel Tobit model. The results show that urban commercial banks in China can improve bank efficiency through cross-regional expansion. Finally, through the research and analysis of the preceding chapters, the relevant conclusions are obtained and suggestions for cross-regional expansion of urban commercial banks are provided. To sum up, cross-regional expansion plays a positive and positive role in improving the efficiency of urban commercial banks, and urban commercial banks should implement positive cross-regional expansion strategy.
【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33

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