【作者】 邓湘益；

【导师】 邵新力；

【作者基本信息】 湖南大学 ， 金融学， 2006， 硕士

【摘要】 20世纪90年代以来,随着中国渐近式改革步伐的深入,中国银行体系开始发生变化,其中城市商业银行无疑是整个体系当中最为耀眼和活跃的组成部分。然而,在城市商业银行不断发展壮大的过程中,其存在的问题也开始逐渐暴露出来。城市商业银行地方政府控股权问题引起了国内学者和业者的广泛关注。我国十一届三中全会以来所形成的“简政放权”和“放权让利”的总体改革思路强化了地方政府的财政和经济激励,使得地方政府独立的利益主体地位得以明确。由此,地方政府必然积极控制各项资源以支持地方经济发展从而达到其政治晋迁的目的。我国转型时期的财政收入下降、市政债券缺失、国有银行改革等特征决定了这一时期地方政府加强干预城市商业银行有其必然性。本文以“政治型”观点为理论基础,利用修正的锦标赛模型解释了地方政府干预力度受到干预的成本收益、名誉损失、晋迁效用、地方政府财力及其他渠道获得资金能力等因素的影响;计量实证了我国城市商业银行绩效受地方政府财力和国有商业银行贷款影响明显,佐证了地方政府在其他渠道融资能力减退的同时有加强对城市商业银行控制力度的积极性。文章认为城市商业银行改革的关键并不在于地方政府股权份额的多少而在于如何解决地方政府的晋升利益问题。因此,本文提出了建立转型时期地方政府与城市商业银行良性互动关系的改革应该是由外至内的观点。更多还原

【Abstract】 Since the 1990s, along with the deepening of China’s gradual pace of reform, China’s banking system has begun to change. Urban commercial banks undoubtedly is the most eye-catching and active components in the entire system.“Decentralization”and“Giving up the interest”thinking reinforces the incentives of local government finance and economic since the Third Plenary Session of the 11th Central Committee. Then, the local government’s independent status has been clarified. So, they will actively support the development of local economy by controlling of resources to achieve its political aims. Caused by China’s fiscal revenues declined, the municipal bond failures, the reform of stated-owned banks and other features, the local government decided to strengthen intervention city commercial banks had its inevitability. Based on the pessimistic "political" perspective, using the rank-ordered tournaments model to explain the level of intervention is affected by cost and earnings, loss of reputation, the utility of elevation, financial strength of local government and other factors such as the ability of channeling funds; The performance of China’s urban commercial banks is clearly impacted by the local government’s fiscal strength and the loans of state-owned commercial banks, corroborating the local governments have the impulse of strengthening the control while other sources of financing have been blocked. Those who wish to come to establish city commercial banks into modern financial enterprises with a real sense, the interests of local government reform are the key problem. Finally, it discusses policy recommendations should be from outside to inside in the transition period to establish positive interactions between the local government and urban commercial banks.更多还原