發(fā)布時間：2018-03-15 11:14

  本文選題：利率市場化　切入點：市場結(jié)構(gòu)　出處：《北京交通大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：商業(yè)銀行和利率問題一直是經(jīng)濟學(xué)的研究熱點,隨著經(jīng)濟的不斷發(fā)展和改革的不斷進行,學(xué)術(shù)界雖然在上述兩個方面取得了一定的成績,但是卻甚少涉及到利率市場化下商業(yè)銀行市場結(jié)構(gòu)的變化。利率市場化方面的研究焦點主要集中在利率市場化改革的方法和時機選擇及利率市場化改革對商業(yè)銀行風險的影響;就商業(yè)銀行市場結(jié)構(gòu)方面而言,大多數(shù)學(xué)者都是分析商業(yè)銀行市場結(jié)構(gòu)和銀行績效、經(jīng)濟發(fā)展之間的相互聯(lián)系。本文從商業(yè)銀行市場結(jié)構(gòu)這一角度出發(fā),通過對比分析國際上主要國家利率市場化改革對商業(yè)銀行市場結(jié)構(gòu)帶來的影響,探索中國商業(yè)銀行業(yè)結(jié)構(gòu)未來可能的改變趨勢。本文的主要研究內(nèi)容為:中國利率市場化與商業(yè)銀行市場結(jié)構(gòu)的分析其中參考了利率市場化對美日商業(yè)銀行市場結(jié)構(gòu)的影響和利率市場化對中國商業(yè)銀行市場結(jié)構(gòu)影響的實證分析。在數(shù)據(jù)和樣本的選擇上,本文主要使用了 2010年至2015年五家大型國有商業(yè)銀行、十二家中型股份制銀行的財務(wù)年報數(shù)據(jù),中國人民銀行年報,銀監(jiān)會監(jiān)管報告和金融統(tǒng)計年鑒的數(shù)據(jù)。在模型的使用方面,本文主要使用了集中度比率模型CRn,赫芬代爾指數(shù)HHI。反應(yīng)市場結(jié)構(gòu)的主要數(shù)據(jù)就是市場的集中度情況,但除此之外商業(yè)銀行的差異化服務(wù)和行業(yè)壁壘也在一定程度上影響著商業(yè)銀行的市場結(jié)構(gòu),因此本文對市場集中度、差異化服務(wù)和行業(yè)壁壘進行多元線性回歸分析并得出結(jié)論。最后根據(jù)商業(yè)銀行的性質(zhì)分別從銀行個體和市場主體兩方面提出相關(guān)建議。我國商業(yè)銀行市場結(jié)構(gòu)目前正處在由寡頭壟斷向壟斷競爭緩慢過度的過程中,市場競爭程度不斷加大,五大國有商業(yè)銀行的市場力量不斷被削弱,但在當前階段,五大國有商業(yè)銀行仍然是市場上的主要控制力量。以商業(yè)銀行市場結(jié)構(gòu)作為出發(fā)點,研究利率市場化改革對我國商業(yè)銀行市場結(jié)構(gòu)的影響,這是本文的一大創(chuàng)新。本文通過大量原始數(shù)據(jù)的搜集與整理以及實證分析,對利率市場化下商業(yè)銀行市場結(jié)構(gòu)的現(xiàn)狀與變化進行了深入研究,期望為利率市場化進一步改革提出一些有益的建議。
[Abstract]:The issue of commercial banks and interest rates has always been a hot research topic in economics. With the continuous development of the economy and the continuous progress of reform, the academic community has made certain achievements in these two aspects. However, the research on interest rate marketization mainly focuses on the methods and timing of interest rate marketization reform and the influence of interest rate marketization reform on commercial banks' risk. As far as the market structure of commercial banks is concerned, most scholars analyze the interrelation among market structure, performance and economic development of commercial banks. Through the comparative analysis of the international interest rate market-oriented reform of major countries on the market structure of commercial banks brought about by the impact, The main contents of this paper are as follows: the analysis of the market structure of China's interest rate and commercial bank, which refers to the interest rate marketization to the American and Japanese commercial bank market. Empirical analysis of the influence of structure and interest rate marketization on the market structure of Chinese commercial banks. This paper mainly uses the annual financial data of five large state-owned commercial banks and 12 medium-sized joint-stock banks from 2010 to 2015, and the annual report of the people's Bank of China. In the use of the model, this paper mainly uses the concentration ratio model CRN, the Huffindale index HHI. the main data reflecting the market structure is the market concentration. However, in addition, the differentiated services and industry barriers of commercial banks also affect the market structure of commercial banks to some extent, so this paper focuses on the degree of market concentration. The multivariate linear regression analysis of differentiated services and industry barriers is carried out and the conclusion is drawn. Finally, according to the nature of commercial banks, relevant suggestions are put forward from two aspects: individual bank and market main body. Market structure of Commercial Banks in China. Was in the process of a slow transition from oligopoly to monopoly competition. The degree of market competition is increasing and the market power of the five state-owned commercial banks has been continuously weakened. However, at the present stage, the five state-owned commercial banks are still the main controlling forces in the market, taking the market structure of the commercial banks as the starting point. It is an innovation of this paper to study the influence of market-oriented interest rate reform on the market structure of commercial banks in China. The present situation and changes of the market structure of commercial banks under the interest rate marketization are deeply studied, and some useful suggestions for the further reform of the interest rate marketization are proposed.
【學(xué)位授予單位】：北京交通大學(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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