發(fā)布時間：2018-05-04 22:11

  本文選題：商業(yè)銀行 + 效率��； 參考：《山西大學(xué)》2012年博士論文

【摘要】：商業(yè)銀行效率的提升是當(dāng)前迎接外資銀行挑戰(zhàn)的根本要求,同時也是我國金融業(yè)可持續(xù)發(fā)展的關(guān)鍵所在。對我國商業(yè)銀行效率問題進(jìn)行深入研究,可促進(jìn)銀行的監(jiān)管部門對目前銀行業(yè)的效率水平進(jìn)行準(zhǔn)確判斷；可以進(jìn)一步完善及補(bǔ)充國內(nèi)外效率研究的理論及方法；有助于投資者了解銀行的投資決策,正確引導(dǎo)社會資金的流向；有助于各個銀行系統(tǒng)之間及各銀行分支機(jī)構(gòu)之間正確判斷彼此的效率差距,進(jìn)而更有效的優(yōu)化和配置資源；有助于商業(yè)銀行發(fā)展模式的轉(zhuǎn)變以及我國銀行業(yè)的可持續(xù)發(fā)展。 本文在吸收和借鑒諸多優(yōu)秀成果的基礎(chǔ)上,通過理論的分析、模型的建立以及大量的實證檢驗,對我國銀行業(yè)的效率現(xiàn)況進(jìn)行了深度剖析,同時一并檢驗了產(chǎn)權(quán)結(jié)構(gòu)以及管制政策對銀行效率的作用,并最終有針對性地給出提升銀行業(yè)效率的有效策略。 首先,文章系統(tǒng)的分析了效率以及銀行效率等基本概念,接著介紹了銀行效率的測度模型以及評估方法,隨后進(jìn)一步分析了國內(nèi)外商業(yè)銀行效率實證研究的現(xiàn)狀以及普遍存在的問題。 其次,先以一般DEA方法對我國商業(yè)銀行效率就進(jìn)行了實證分析,發(fā)現(xiàn)相對于股份制商業(yè)銀行而說,國有商業(yè)銀行的整體效率普遍偏低,但國有商業(yè)銀行的效率在樣本期內(nèi)的提升超過了股份制商業(yè)銀行；再以網(wǎng)絡(luò)DEA方法對我國商業(yè)銀行效率就進(jìn)行了實證分析,發(fā)現(xiàn)國有商業(yè)銀行的技術(shù)效率不及股份制商業(yè)銀行,但是純技術(shù)效率并不比股份制商業(yè)銀行差,且表現(xiàn)很穩(wěn)定,同時國有銀行的技術(shù)效率波動性較大,且易受到國家金融政策以及金融危機(jī)的影響,特別是股份制結(jié)構(gòu)改革確實促進(jìn)了我國商業(yè)銀行效率的提高；然后基于傅立葉變換成本函數(shù)研究了在政府干預(yù)的金融政策中資源配置效率對我國商業(yè)銀行效率的影響,并研究寬松的管制政策是否能有效提升銀行效率。 最后,就寬松的管制政策下進(jìn)行股權(quán)多元化改革,引入境外戰(zhàn)略投資者,以及在進(jìn)行業(yè)務(wù)擴(kuò)張的同時加強(qiáng)協(xié)調(diào)內(nèi)部資源,開展金融產(chǎn)品創(chuàng)新活動,制定靈活的經(jīng)營機(jī)制,提高服務(wù)質(zhì)量等方面,提出了促進(jìn)我國銀行業(yè)效率提升的政策建議。
[Abstract]:The promotion of the efficiency of commercial banks is the fundamental requirement to meet the challenges of foreign banks and the key to the sustainable development of the financial industry in China. The in-depth study of the efficiency of China's commercial banks can promote the accurate judgment of the bank's regulatory authorities on the efficiency level of the current banking industry; and it can be further improved and supplementing. It is helpful for investors to understand the investment decision of the bank and to guide the flow of social funds correctly. It is helpful to determine the efficiency gap between the various banking systems and the branches of the banks, and to optimize and configure the resources more effectively, and help the development model of commercial banks. The transformation of the banking industry in China and the sustainable development of China's banking industry.
On the basis of absorbing and drawing on many outstanding achievements, this paper analyses the current situation of China's banking efficiency through theoretical analysis, model establishment and a large number of empirical tests. At the same time, it examines the structure of property rights and the use of control policy to the efficiency of the bank, and finally gives a pertinent promotion of the efficiency of the banking industry. An effective rate strategy.
First, the paper systematically analyzes the basic concepts of efficiency and bank efficiency, then introduces the measurement model and evaluation method of bank efficiency, and then further analyzes the current situation of the empirical research on the efficiency of commercial banks both at home and abroad and the common problems.
Secondly, an empirical analysis is made on the efficiency of commercial banks in China by the general DEA method. It is found that the overall efficiency of the state-owned commercial banks is generally low relative to the joint-stock commercial banks, but the efficiency of the state-owned commercial banks is higher than the joint-stock commercial banks in the sample period; and then the network DEA method is used for the commercial banks of our country. The efficiency is an empirical analysis. It is found that the technical efficiency of the state-owned commercial banks is not as good as that of the joint-stock commercial banks, but the pure technical efficiency is not worse than the joint-stock commercial banks, and the performance is very stable. At the same time, the technical efficiency of the state-owned banks is very volatile, and it is vulnerable to the influence of the national financial policy and the financial crisis, especially the stock system. Structural reform has indeed promoted the efficiency of China's commercial banks, and then based on the Fu Liye transform cost function, the effect of resource allocation efficiency on the efficiency of China's commercial banks was studied in the government intervened financial policy, and whether the loose control policy could effectively improve the efficiency of banking.
In the end, we put forward policy suggestions for promoting the efficiency of China's banking industry by carrying out the diversification of stock rights under the loose control policy, introducing foreign strategic investors, strengthening internal resources, developing innovative activities of financial products, making flexible operating mechanism and improving service quality.

【學(xué)位授予單位】：山西大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2012
【分類號】：F832.33;F224

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