【摘要】：城市商業(yè)銀行的設(shè)立和發(fā)展是我國(guó)金融體制改革與變遷的縮影,其在支持地方經(jīng)濟(jì)發(fā)展、緩解中小企業(yè)融資困境等方面發(fā)揮了重要作用。城市商業(yè)銀行信貸資產(chǎn)配置行為的變化不僅關(guān)乎其自身發(fā)展,更牽涉存款人利益保護(hù)及金融系統(tǒng)性風(fēng)險(xiǎn)防范。商業(yè)銀行的信貸資產(chǎn)配置行為受多種因素影響,其中股權(quán)結(jié)構(gòu)作為商業(yè)銀行治理的產(chǎn)權(quán)基礎(chǔ),其對(duì)信貸行為的影響不言而喻。我國(guó)城市商業(yè)銀行由于特殊的歷史背景,其第一大股東往往是地方財(cái)政局或地方政府融資平臺(tái),這一特征使得地方政府對(duì)城市商業(yè)銀行信貸資產(chǎn)配置行為的影響尤為明顯。為此,論文從治理機(jī)制視角出發(fā),就城市商業(yè)銀行股權(quán)結(jié)構(gòu)影響信貸資產(chǎn)客戶(hù)配置行為、期限配置行為、行業(yè)配置行為分別展開(kāi)研究,為完善城市商業(yè)銀行股權(quán)結(jié)構(gòu)、提高信貸資產(chǎn)配置質(zhì)量提供借鑒。 論文共分為五個(gè)部分。第一章介紹了論文的研究背景與意義、研究綜述、研究思路與方法。第二章從股權(quán)結(jié)構(gòu)的內(nèi)涵與類(lèi)型、信貸資產(chǎn)配置行為的界定與組成、信貸資產(chǎn)的配置原則等方面介紹了商業(yè)銀行股權(quán)結(jié)構(gòu)與信貸資產(chǎn)配置行為的相關(guān)理論基礎(chǔ),在此基礎(chǔ)之上,以商業(yè)銀行特殊的治理機(jī)制為傳導(dǎo)中介,詳細(xì)闡述了多重委托代理沖突下,商業(yè)銀行股權(quán)結(jié)構(gòu)影響信貸資產(chǎn)配置行為的機(jī)理。第三章介紹了我國(guó)城市商業(yè)銀行的股權(quán)結(jié)構(gòu)現(xiàn)狀及信貸資產(chǎn)配置現(xiàn)狀。第四章運(yùn)用面板模型從客戶(hù)配置、期限結(jié)構(gòu)、行業(yè)分布等三個(gè)方面就城市商業(yè)銀行股權(quán)結(jié)構(gòu)對(duì)信貸資產(chǎn)配置行為的影響進(jìn)行了實(shí)證檢驗(yàn),檢驗(yàn)結(jié)果是城市商業(yè)銀行股權(quán)集中度、政府持股比例與信貸資產(chǎn)客戶(hù)投放集中度正相關(guān),與信貸資產(chǎn)短期貸款比率負(fù)相關(guān),與中長(zhǎng)期貸款比率正相關(guān),與建筑業(yè)、房地產(chǎn)業(yè)、水利以及電力等行業(yè)的貸款比例正相關(guān),與批發(fā)零售業(yè)、制造業(yè)、交通運(yùn)輸以及商務(wù)服務(wù)等行業(yè)的貸款比例負(fù)相關(guān)；城市商業(yè)銀行法人持股比例與信貸資產(chǎn)客戶(hù)投放集中度負(fù)相關(guān),與信貸資產(chǎn)短期貸款比率正相關(guān),與中長(zhǎng)期貸款比率負(fù)相關(guān),與建筑業(yè)、房地產(chǎn)業(yè)、水利以及電力等行業(yè)的貸款比例負(fù)相關(guān),與批發(fā)零售業(yè)、制造業(yè)、交通運(yùn)輸以及商務(wù)服務(wù)等行業(yè)的貸款比例正相關(guān)。第五章在梳理前文研究的基礎(chǔ)上整理得出論文的主要結(jié)論并提出政策建議。
[Abstract]:The establishment and development of urban commercial banks is a microcosm of the reform and change of our financial system, which plays an important role in supporting the development of local economy and alleviating the financing difficulties of small and medium-sized enterprises. The change of credit asset allocation behavior of city commercial banks is not only related to their own development, but also involves the protection of depositors' interests and the prevention of financial systemic risks. The behavior of credit asset allocation of commercial banks is influenced by many factors, among which equity structure is the property right basis of commercial bank governance, and its influence on credit behavior is self-evident. Because of the special historical background, the biggest shareholder of the city commercial bank is the local finance bureau or the local government financing platform, which makes the influence of the local government on the credit asset allocation behavior of the city commercial bank especially obvious. Therefore, from the perspective of governance mechanism, this paper studies the influence of urban commercial bank equity structure on the behavior of customer allocation of credit assets, the behavior of term allocation, and the behavior of industry allocation, respectively, in order to perfect the equity structure of urban commercial banks. Improve the quality of credit asset allocation to provide reference. The thesis is divided into five parts. The first chapter introduces the research background and significance, research review, research ideas and methods. The second chapter introduces the theoretical basis of equity structure and credit asset allocation behavior of commercial banks from the connotation and type of equity structure, the definition and composition of credit asset allocation behavior, the principle of credit asset allocation and so on. Taking the special governance mechanism of commercial banks as the transmission intermediary, this paper expounds in detail the mechanism that the equity structure of commercial banks affects the behavior of credit asset allocation under the conflict of multiple principal-agent. The third chapter introduces the status quo of equity structure and credit asset allocation of urban commercial banks in China. The fourth chapter uses panel model to test the impact of urban commercial bank equity structure on credit asset allocation behavior from three aspects: customer allocation, term structure and industry distribution. The result is equity concentration degree of city commercial bank. The proportion of government shareholding is positively correlated with the concentration of credit assets, negatively with the short-term loan ratio of credit assets, positively with the medium and long term loan ratio, and with the loan ratio in construction, real estate, water conservancy and power industries. It is negatively related to the proportion of loans in wholesale and retail trade, manufacturing, transportation and business services, and the proportion of corporate shareholding in urban commercial banks is negatively correlated with the concentration of credit assets, and is positively related to the short-term loan ratio of credit assets. It is negatively related to the medium and long term loan ratio, to the construction, real estate, water conservancy and electricity sectors, and to the wholesale, retail, manufacturing, transportation and business services sectors. In the fifth chapter, the main conclusions and policy suggestions are put forward on the basis of combing the previous research.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33;F832.4

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