【作者】 赵晓明；

【导师】 孙巍；

【作者基本信息】 吉林大学 ， 数量经济学， 2007， 硕士

【摘要】 本文针对我国商业银行的绩效问题,以产业组织理论为基础,结合产权理论和委托代理理论等微观经济学的最新发展,从产业层面和微观层面出发,采用外因与内因相结合的逻辑分析方式,选择1996—2003年期间的数据,基于面板数据(Panel Data)模型的计量方法,对影响我国商业银行绩效水平的关键因素及其作用机理进行了深入的研究。结果表明,银行规模和利率水平是影响我国商业银行绩效的外部关键因素,金融创新和公司治理是影响我国商业银行绩效的内部关键因素。实证分析进一步表明,在1996-2003年期间,我国商业银行绩效水平呈现出下降并趋于收敛的新特征;公司治理问题是导致我国国有商业银行经营机制落后、约束机制弱化以及绩效水平偏低的根本原因;利率水平的连续大幅调整是我国商业银行绩效水平整体下降的直接原因;业务单一,金融创新不足是影响我国商业银行绩效水平进一步提升的重要因素;盲目追求规模效益,粗放式增长,严重降低了我国商业银行的经营绩效。更多还原

【Abstract】 There is more than 20 years since the Reform Open is launched.With the development of the market economy and the propulsion of the financial system reformation,the bank system of the our country has taken place the deep variety.Looking back 20 years of the financial system reformation, the banking of the our country experienced three different history periods.It is from the separation and the working distinctions in 80’s between the National Central Bank and the commercial banks, to the appearance of the joint-stock commercial bank in 90’s, then it faced the opportunity and the challenge joining the WTO in new century.So far, the banks has already form diversified commercial bank competition structure.Facing the our country money market internationalization degreeunceasing enhancement, competes facing the Chinese and foreign bankbetween is day by day intense, further speeds up the banking industry reform, the establishment has the competitive ability andthe efficiency bank system, improved and enhances our countrycommercial bank the achievements level already to become the currentfinancial development the key. Because the commercial bank achievements are the commercial bankcompetitive ability centralism manifest, is the commercial bank andits the system fund resources disposition and the risk managementfunction display concentrated reflection, is weighs the commercialbank to manage the behavior achievement, the resources use condition,the technical display level important standard.This article has the achievements better commercial bank only then to be ableto provide the better financial product and the service, has thehigher risk bearing capacity, has the competitive ability. Therefore, thoroughly studies our country commercial bank achievementsthe evolved tendency, the influence factor and its the actionmechanism has the extremely important theory value and the practicalsignificance. This article take the industrial organization theory as thefoundation, the union property right theory and entrusts the agenttheory and so on the microeconomics most recent development, embarksfrom the industrial stratification plane and the microscopicstratification plane, selects the logic analysis method which theexternal factor and the internal cause unifies, to our countrycommercial bank’s achievements level evolution tendency, the influencefactor and its the action mechanism carried on has been thorough butthe system research. Looking from the commercial bank industry stratification plane that,our country banking industry’s reform essentially isincompletely competes by the non- competitive monopoly department tothe strict control under the enterprise to transform, therefore thisarticle chooses from the industrial organization theory embarks, theutilization tradition SCP analysis model, from the market mechanism,the market behavior, the market achievements three aspects analyzesour country commercial bank profession the industrial presentsituation, then obtains in the banking industry reform advancement, the excessively many financial control has limited theour country commercial bank’s further development, reduced theresources disposition efficiency and the profit ability, thus affectedand has restricted the our country commercial bank achievementsfurther promotion. Among them, the bank scale, the interest rate level are the essentialexternal agency factor. Embarks from the commercial bank microscopicstratification plane, this article unified our country commercial bankpresent situation multianalysis finance innovation and the companygoverns the level to our country commercial bank achievementsinfluence. The financial innovation through develops the new financialproduct, seizes the new market, the change management management wayand so on gains the new profit origin, follows in the innovationprocess the new technical application and the scope economicalsuperiority strengthens, reduces the transaction cost, thus promotioncommercial bank achievements enhancement. The effective company governs can promote the commercial bank tomanage the management level the enhancement, thus enhancementmanagement efficiency. Aimed at the company to govern the level inparticular the measure method, this article has made the innovationbased on the proxy cost theory. Surveys our country commercial bankusing the production front surface theory and the Malmquistproductivity index method the government efficiency, then weighs ourcountry commercial bank the company to govern the level. In carries onthe theoretical analysis after our country commercial bankachievements in external agency factor, this article through theestablishment kneading board data measurement model, states theresearch conclusion in view of front, has carried on the realdiagnosis analysis, obtained some significant the result.This article first chapter for China commercial bank achievementsquestion outline; Second chapter for China commercial bankachievements external agency factor analysis; Third chapter for Chinacommercial bank achievements internal influence factor analysis;Fourth chapter for China commercial bank achievements real diagnosisanalysis; Last the part is a conclusion.This article obtains the conclusion is: Reforms in the advancement inthe entire economical switcher time commercial bank, our countrycommercial bank’s achievements level in tends to in the foundationwhich restrains, presents characteristic which the overall drops. Thecompany governs the question is causes the state-owned commercial bankto manage the mechanism backwardness, the restraint mechanismattenuation as well as the achievements level somewhat low basicreason. Deepens the state-owned commercial bank joint stock system reform, theconsummation state-owned commercial bank company governs, thepromotion state-owned commercial bank manages the management level,improves our country state-owned commercial bank achievements level,further promotes the competitive ability the key. Recent year, theinterest rate level continuously the large adjustment is the immediatecause which the our country commercial bank achievements horizontalwhole drops. Relaxes the price control, the advancement interest ratemarket, realizes the our country commercial bank profession effectivecompetition, avoids the resources waste and the commercial bankmanages the behavior distortion the powerful method. Product and service difference small, the service is unitary, thefinancial innovation insufficiency causes an our country commercialbank achievements level somewhat low important reason. Blindly pursuesthe scale benefit, adopts the fund, the personnel, the technology, theorganization massive investments is extensive -like grows, gives ourcountry commercial bank the achievements level to bring theenhancement by no means, instead seriously reduced commercial bank’smanagement efficiency. The bank scale target and the achievementshorizontal target are remarkable negative correlation, explained downsizing forefficiency, the organization reasonable layout regarding raises ourcountry commercial bank achievements level, the improvement commercialbank’s resources disposition effect has the positive role.With the foreign banks entering to the Chinese financial market, the local commercial bank will face overall competition ages.At the time of reforming the system strongly, the local bank must to try hard to catch up with it in the technique, talented person, service, the product innovation, market expansion.And it must to become strong large-scale and expand the influence in the competition. At the same time,it must to do the mechanism transition in the root, the gradual exaltation of management level, improving the management structure inside the part of the state-owned commercial bank actively.It is the key way to improve the operation efficiency of the commercial bank oneself and the performance level of the commercial bank oneself.更多还原