本文關(guān)鍵詞：引進(jìn)境外戰(zhàn)略投資者對(duì)中資銀行績(jī)效與創(chuàng)新能力的影響研究　出處：《廣東外語(yǔ)外貿(mào)大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 中資銀行 境外戰(zhàn)略投資者 績(jī)效改進(jìn) 金融創(chuàng)新 核心競(jìng)爭(zhēng)力

【摘要】：根據(jù)2001年加入WTO時(shí)的承諾，中國(guó)銀行業(yè)在2006年底對(duì)外資銀行全面開(kāi)放，給予外資銀行以完全的國(guó)民待遇。在這種嚴(yán)峻的形勢(shì)下，中國(guó)銀行業(yè)為了提高國(guó)際競(jìng)爭(zhēng)力，建立現(xiàn)代商業(yè)銀行體系，進(jìn)行了一系列改革，其中最引人注目的就是產(chǎn)權(quán)制度改革，引進(jìn)境外戰(zhàn)略投資者，希望通過(guò)“引資”達(dá)到“引智”、“引制”的目的，提高中國(guó)銀行業(yè)的經(jīng)營(yíng)績(jī)效，，促使中國(guó)銀行業(yè)的核心競(jìng)爭(zhēng)力的提升。目前，中國(guó)銀行業(yè)引入境外戰(zhàn)略投資者已有一段時(shí)間，境外戰(zhàn)略投資者入股中國(guó)銀行業(yè)能改善經(jīng)營(yíng)績(jī)效嗎？提升了中資銀行的核心競(jìng)爭(zhēng)力嗎？境外戰(zhàn)略投資者自身哪些因素會(huì)對(duì)中資銀行績(jī)效產(chǎn)生影響？這些問(wèn)題一直是理論界和實(shí)務(wù)界爭(zhēng)論的焦點(diǎn)。本文將嘗試對(duì)上述問(wèn)題進(jìn)行回答。 本文采用理論研究與實(shí)證研究、定性分析與定量分析相結(jié)合的方法，選取78家中資銀行的2002年-2011年的相關(guān)數(shù)據(jù)，用實(shí)證方法研究境外戰(zhàn)略投資者的引進(jìn)對(duì)中資銀行的盈利性、資產(chǎn)質(zhì)量以及金融創(chuàng)新能力的影響。實(shí)證研究結(jié)果表明：1、引進(jìn)境外戰(zhàn)略投資者并沒(méi)有改善中資銀行的經(jīng)營(yíng)績(jī)效；境外戰(zhàn)略投資者持股比例與平均資產(chǎn)收益率沒(méi)有獲得顯著的檢驗(yàn)結(jié)果，回歸系數(shù)不具備統(tǒng)計(jì)顯著性，平均資產(chǎn)收益率受到宏觀經(jīng)濟(jì)影響很大，而且國(guó)有控股銀行的經(jīng)營(yíng)績(jī)效總體上要差于資產(chǎn)規(guī)模小的銀行。2、引進(jìn)境外戰(zhàn)略投資者也沒(méi)有提高中資銀行金融創(chuàng)新能力，目前中國(guó)銀行業(yè)的利潤(rùn)來(lái)源主要還是利息收益。3、引進(jìn)境外戰(zhàn)略投資者提升了中資銀行的風(fēng)險(xiǎn)管理水平，降低中資銀行的不良貸款率，從而改善銀行的資產(chǎn)質(zhì)量。4、引進(jìn)商業(yè)銀行作為境外戰(zhàn)略投資者，比引進(jìn)國(guó)際組織和投資銀行更有影響力；引進(jìn)境外戰(zhàn)略投資者的數(shù)目并不是越多越好，而且境外戰(zhàn)略投資者在董事會(huì)的一席之地似乎更多地是名義的，而不是實(shí)際的優(yōu)勢(shì)，并不能對(duì)中資銀行帶來(lái)“正效應(yīng)”。總的來(lái)說(shuō)，引進(jìn)境外戰(zhàn)略投資者對(duì)中資銀行的影響有限。針對(duì)研究結(jié)論，本文提出了如下建議：1、提高中資銀行自身的金融創(chuàng)新與經(jīng)營(yíng)能力；2、減少政府的行政干預(yù)；3、完善信息披露機(jī)制，減少信息不對(duì)稱(chēng)和委托代理沖突；4、完善相關(guān)法律，培育良好的金融市場(chǎng)環(huán)境；5、漸進(jìn)有序地促進(jìn)銀行業(yè)開(kāi)放，促進(jìn)良好地合作性競(jìng)爭(zhēng)；6、完善對(duì)境外戰(zhàn)略投資者的激勵(lì)約束政策。
[Abstract]:According to the promise of China's entry into WTO in 2001, China's banking industry will be fully open to foreign banks in end of 2006, giving foreign banks full national treatment. In order to improve the international competitiveness and establish a modern commercial banking system, China's banking industry has carried out a series of reforms, the most striking of which is the reform of the property rights system and the introduction of foreign strategic investors. It is hoped that the purpose of "attracting wisdom" and "introducing system" through "attracting foreign investment" can improve the management performance of China's banking industry and promote the enhancement of the core competitiveness of the Chinese banking industry. China's banking industry has been introducing foreign strategic investors for some time. Can foreign strategic investors invest in China's banking sector to improve their business performance? Has it enhanced the core competitiveness of Chinese banks? What factors will affect the performance of Chinese banks by foreign strategic investors themselves? These questions have always been the focus of debate in theoretical and practical circles. This paper will try to answer the above questions. This paper uses theoretical and empirical research, qualitative analysis and quantitative analysis of the method, selected 78 Chinese banks from 2002 to 2011 related data. Using empirical method to study the influence of the introduction of foreign strategic investors on the profitability, asset quality and financial innovation ability of Chinese banks. The introduction of foreign strategic investors has not improved the operating performance of Chinese banks; The proportion of foreign strategic investors holding shares and the average return on assets have no significant test results, the regression coefficient is not statistically significant, and the average return rate of assets is greatly affected by the macro economy. Moreover, the operating performance of state-owned holding banks is worse than that of banks with small assets on the whole, and the introduction of foreign strategic investors has not improved the financial innovation ability of Chinese banks. At present, the profit source of China's banking industry is mainly interest income. The introduction of foreign strategic investors has improved the risk management level of Chinese banks and reduced the non-performing loan ratio of Chinese banks. In order to improve the asset quality of banks, the introduction of commercial banks as foreign strategic investors is more influential than the introduction of international organizations and investment banks; The number of foreign strategic investors is not as large as possible, and the presence of foreign strategic investors on the board seems to be more nominal than actual advantage. It can not bring "positive effect" to Chinese banks. In general, the influence of introducing foreign strategic investors on Chinese banks is limited. In view of the research conclusions, this paper puts forward the following suggestions: 1. Improving the financial innovation and management ability of Chinese banks; (2) reducing the government's administrative intervention; (3) perfecting the mechanism of information disclosure and reducing information asymmetry and principal-agent conflict; (4) perfect the relevant laws and foster a good financial market environment; (5) gradually and orderly promoting the opening up of the banking industry and promoting good cooperative competition; 6. Improve incentive and restraint policies for foreign strategic investors.
【學(xué)位授予單位】：廣東外語(yǔ)外貿(mào)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F830.42;F832.33

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