本文關(guān)鍵詞： 上市商業(yè)銀行 資本結(jié)構(gòu) 融資效率　出處：《山東農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：商業(yè)銀行是經(jīng)營(yíng)貨幣這種特殊商品的企業(yè)，并且商業(yè)銀行的這種經(jīng)營(yíng)活動(dòng)是以社會(huì)信用為原則而開(kāi)展的。于是，資本就成了商業(yè)銀行經(jīng)營(yíng)的基礎(chǔ)。作為衡量資本狀況之一的資本構(gòu)成具有重要的作用，決定著商業(yè)銀行應(yīng)對(duì)財(cái)務(wù)和經(jīng)營(yíng)風(fēng)險(xiǎn)的能力，進(jìn)一步影響到商業(yè)銀行的整體價(jià)值。 因此，研究上市商業(yè)銀行資金融通及其效率對(duì)于提高商業(yè)銀行融資決策的科學(xué)性、優(yōu)化商業(yè)銀行資本結(jié)構(gòu)、進(jìn)而提高商業(yè)銀行的綜合競(jìng)爭(zhēng)力及維持國(guó)內(nèi)金融秩序穩(wěn)定等具有重要的理論和現(xiàn)實(shí)意義。 本文依據(jù)經(jīng)濟(jì)學(xué)、金融學(xué)相關(guān)理論，在對(duì)國(guó)內(nèi)外現(xiàn)有研究成果梳理、歸納概括的基礎(chǔ)上，首先對(duì)我國(guó)上市商業(yè)銀行融資現(xiàn)狀進(jìn)行了描述性統(tǒng)計(jì)分析，其次，較為系統(tǒng)的分析了我國(guó)上市商業(yè)銀行融資影響因素，最后，運(yùn)用規(guī)范研究和實(shí)證研究相結(jié)合的研究方法考察了2008年—2012年我國(guó)16家上市商業(yè)銀行資本規(guī)模及其構(gòu)成變化情況，采用DEA模型分析了近5年我國(guó)上市商業(yè)銀行融資效率，并為提高銀行融資效率提出了建議。 通過(guò)實(shí)證研究，文章得出了以下結(jié)論：雖然影響商業(yè)銀行融資效率的因素多種多樣，但其所處的經(jīng)濟(jì)環(huán)境對(duì)其作用最大。當(dāng)經(jīng)濟(jì)衰退時(shí)，銀行在此時(shí)不應(yīng)盲目地追求規(guī)模擴(kuò)張，，而是應(yīng)在原有的基礎(chǔ)上保持資產(chǎn)質(zhì)量，提高資本利用效率，以此來(lái)獲得較好的融資效率。當(dāng)經(jīng)濟(jì)由衰退步入復(fù)蘇時(shí)，銀行可以順應(yīng)形勢(shì)擴(kuò)充資本，以獲得較高的融資技術(shù)效率，但由于資本的補(bǔ)充與資產(chǎn)的構(gòu)建存在時(shí)間差，此時(shí)的融資規(guī)模效率通常不高。總體而言，我國(guó)上市商業(yè)銀行的融資效率整體較高。根據(jù)以上結(jié)論，文章圍繞通過(guò)如何增強(qiáng)資產(chǎn)質(zhì)量來(lái)提高融資效率，給出了五點(diǎn)建議。
[Abstract]:The commercial bank is the enterprise which manages the currency this kind of special commodity, and the commercial bank's this kind of management activity is develops with the social credit as the principle. Capital is the basis of commercial bank operation. As one of the capital conditions, capital composition plays an important role in determining the ability of commercial banks to deal with financial and operational risks. Further affect the overall value of commercial banks. Therefore, the study of listed commercial banks financing and its efficiency to improve the scientific nature of commercial bank financing decisions, optimize the capital structure of commercial banks. Therefore, it is of great theoretical and practical significance to improve the comprehensive competitiveness of commercial banks and maintain the stability of domestic financial order. Based on the relevant theories of economics and finance, this paper summarizes and summarizes the existing research results at home and abroad, first of all, it makes a descriptive statistical analysis on the financing status of listed commercial banks in China, and secondly. More systematic analysis of China's listed commercial banks financing factors, finally. The capital size and composition of 16 listed commercial banks in China from 2008 to 2012 were investigated by means of normative and empirical research. This paper analyzes the financing efficiency of China's listed commercial banks in recent five years by using DEA model, and puts forward some suggestions for improving the efficiency of bank financing. Through the empirical research, the paper draws the following conclusions: although the factors affecting the financing efficiency of commercial banks are various, the economic environment in which it is located has the greatest effect on it, when the economy is in recession. At this time, banks should not blindly pursue scale expansion, but should maintain the quality of assets and improve the efficiency of capital utilization on the basis of the original, so as to obtain better financing efficiency, when the economy from recession to recovery. Banks can adapt to the situation to expand capital in order to obtain higher financing technical efficiency, but due to the time lag between capital replenishment and asset construction, the financing scale efficiency is usually not high. The financing efficiency of listed commercial banks in China is relatively high. According to the above conclusions, the paper gives five suggestions on how to improve the financing efficiency by enhancing the quality of assets.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33;F830.42

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