本文關鍵詞：我國城市商業(yè)銀行放松規(guī)制效果研究　出處：《天津財經(jīng)大學》2016年博士論文　論文類型：學位論文

  更多相關文章： 城市商業(yè)銀行 放松規(guī)制效果 放松利率規(guī)制 境外引資準入

【摘要】：放松規(guī)制是我國銀行業(yè)深化改革中一個階段性的必然選擇。脫胎于早期信用合作社的城市商業(yè)銀行,由于存在地方政府過度干預、單一地域經(jīng)營、非市場化運作、基礎薄弱、產(chǎn)品同質(zhì)等弊端而束縛其發(fā)展。規(guī)制管理機構對其采取了放松利率規(guī)制和境外引資準入等一系列改革舉措,目的是通過引入競爭和激勵機制,提高自主創(chuàng)新能力,優(yōu)化利率定價水平,提高經(jīng)營績效。如何對放松規(guī)制效果進行科學的分析與評價則成為一個亟待解決的重要課題。而相關文獻成果多集中于大型國有銀行和股份制銀行的研究。誠然,城市商業(yè)銀行作為銀行業(yè)的"第三梯隊"一直是重要的參與者并視為骨干力量,特別在支持地方經(jīng)濟發(fā)展方面發(fā)揮了不可忽視的作用,從而倍受社會各界的高度關注。以此為對象進行專門研究,勢必會形成一些新問題、新觀點和新結論�；诖�,本文重點探討放松利率規(guī)制效果、境外引資準入效果并作出綜合評價。首先,在利率完全市場化和雙軌制兩種情形下探索性地構建最優(yōu)存貸利差的利率均衡模型求得均衡解。其次,在充分論述地方政府干預經(jīng)營和境外機構參股的基礎之上,結合博弈分析探討境外引資準入對效率影響的作用路徑。然后,采用計量回歸分析來檢驗其中的若干理論假說和真實性顯著水平。最后,從市場化程度、經(jīng)營績效、創(chuàng)新能力、決策效率和服務質(zhì)量5個維度構建一個放松規(guī)制效果的指標體系,運用層次分析法作綜合評價,繼而提出推進放松規(guī)制改革的政策建議。本文的主要研究結論如下:第一,在利率完全市場化情形下,競爭加劇導致存貸利差會逐步收窄,當處于完全競爭時,中央銀行實施宏觀調(diào)控效果最為有效。在貸款利率市場化、存款利率上限規(guī)制的雙軌制條件下,貸款利率會隨著中央銀行擴張性的貨幣政策而降低,存貸利差隨之進一步變窄。實證結果發(fā)現(xiàn),放松利率規(guī)制變量與凈利差率存在一定的顯著性關系,反映了微弱的放松利率規(guī)制效果,同時跨區(qū)域經(jīng)營時間與存貸凈利差率的關系顯著,說明在異地參與競爭發(fā)揮了作用,而凈利差率的順周期性效應則較為微弱。第二,研究結果較好地表明了境外引資合作時間與效率的顯著性關系,從實證角度反映了境外引資準入效果。同時,引資效果開始顯現(xiàn),而引智效果尚未見效。第三,放松規(guī)制效果綜合評價結果良好,尤其是服務質(zhì)量得到了大幅提升,經(jīng)營績效和創(chuàng)新能力提升良好,而市場化程度和決策效率仍處于中等水平,進而反映了城市商業(yè)銀行放松規(guī)制效果區(qū)別于大型國有銀行和全國性股份制銀行的特征。綜上,整篇論文從放松利率規(guī)制、境外引資準入等方面,實證分析了我國城市商業(yè)銀行放松規(guī)制的效果,有助于規(guī)制管理機構制定有針對性的改革規(guī)劃,可以幫助城市商業(yè)銀行認清放松利率規(guī)制對其的影響,引導他們與境外金融機構開展更廣泛的合作,更有效發(fā)揮引智效果,進一步通過制度創(chuàng)新讓引制盡快產(chǎn)生成效,從而引導城市商業(yè)銀行抓住機遇,在"新常態(tài)"下獲得持續(xù)性的發(fā)展,具有較大的社會效益和使用價值。
[Abstract]:Deregulation is the inevitable choice of a stage of deepening the reform of China's banking industry. The city commercial bank credit cooperatives originated in the early, because of the excessive intervention of the local government, regional management, non market operation, weak foundation, homogeneous product defects and constraining its development. Regulatory agencies have taken to relax the interest rate the regulation of overseas investment and access to a series of reform measures, the purpose is through the introduction of competition mechanism and incentive mechanism, improve the ability of independent innovation, optimizing the level of interest rate pricing, improve business performance. How to carry out scientific analysis and evaluation on the effect of deregulation has become an important issue to be solved. The research results and the related literatures focus on large state-owned banks and joint-stock banks. Indeed, the city commercial bank banking as the "third tier" has been regarded as an important participant and backbone In particular, played an important role in supporting the development of local economy, thus much attention from all walks of life. As the object of research, will lead to some new problems, new ideas and new conclusions. Based on this, this paper focuses on the relaxation of interest rate regulation and make a comprehensive evaluation of overseas investment and access. First of all, in the full market interest rates and track two cases to explore the interest rate equilibrium model to construct the optimal deposit rate obtained equilibrium. Secondly, based on the full discussion of local government intervention operations and foreign institutional shares, combined with the game analysis of the overseas investment access path's impact on efficiency. Then, using the the regression analysis of the measurement to test some hypothesis and the authenticity of the significant level. Finally, from the level of the market, performance, innovation ability, decision-making efficiency and service The quality of the 5 dimensions to build a relaxed regulation effect of the index system, using AHP comprehensive evaluation, then put forward the deregulation reform suggestions. The main conclusions are as follows: first, in the fully market-oriented interest rate situation, competition will gradually lead to the savings and loan spreads narrowed, when in a perfectly competitive, the central bank to implement macro-control effect is the most effective. The loan interest rate liberalization, track conditions deposit interest rate cap regulation, the loan interest rate will decrease with the central bank monetary policy, savings and loan spreads will further narrow. The empirical results show that there was a significant relationship between the relaxation of certain interest rate regulation variables and net interest margin rate reflects the weak relaxation of interest rate regulation effect, at the same time the relationship between time and cross regional business loan net interest rate significantly, that play compete in different places The role of the pro cyclical effect on net interest margins are relatively weak. Second. The results of the study show a significant relationship between the overseas investment cooperation time and efficiency, from the empirical point of view reflects the effect of access to overseas investment. At the same time, the effect of foreign investment and talent recruitment effect began to appear, has yet to work. Third, relax the comprehensive evaluation the regulation effect is good, especially the service quality has been greatly improved, operating performance and innovation ability to promote the good, and the degree of marketization and the decision-making efficiency is still in the middle level, which reflects the characteristics of City Commercial Banks to relax the regulation effect from the large state-owned banks and national joint-stock banks. In conclusion, the whole thesis from the deregulation of interest the regulation of overseas investment, access, empirical analysis of China's city commercial banks to relax the regulation effect, helps to regulate management organization to make the reform of the needle Planning can help city commercial banks to relax the impact of interest rates on its regulation, guide them to carry out more extensive cooperation with overseas financial institutions, more effective promotion effect, further through system innovation to lead system effectiveness as soon as possible, so as to guide the city commercial bank to seize the opportunity to obtain continuous development in the "new normal" next, has great social benefit and value.

【學位授予單位】：天津財經(jīng)大學
【學位級別】：博士
【學位授予年份】：2016
【分類號】：F832.33

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