【作者】 李斌；

【导师】 曾玲玲；

【作者基本信息】 武汉理工大学 ， 金融学， 2013， 硕士

【摘要】 银行业是我国金融业的主体,关系到国民经济的命脉。银行业能否保持稳定和高效率的运行,直接影响了整个金融业的发展,甚至牵动着国家整体宏观经济的状况。效率作为银行竞争力的集中体现,决定着银行的未来发展,商业银行效率的高低直接关系到我国社会资源的配置效果和经济的发展,因此商业银行效率问题的研究具有重要意义。股权结构是银行效率的基础,对我国而言,由于经济体制的特殊性,大多数商业银行都是在计划经济或者过渡期的背景下成长起来的,一定程度上受到计划经济的影响,加之我国商业银行普遍上市时间较晚,股权结构成为影响其效率的一个重要因素。本文以商业银行的股权结构理论和效率理论作为理论支撑,在借鉴国内外相关文献研究方法的基础上,结合我国上市商业银行的具体数据进行实证分析,选取了2009和2012年间14家样本上市商业银行作为研究对象,通过描述性统计分析了股权结构和银行效率的变动情况,对股权改革做出了评价；通过回归分析论述了我国上市公司股权结构和银行效率的关系。研究表明,股权相对集中与银行效率正相关假设；国有股比例与银行效率呈负相关；法人股比例与银行效率呈倒U型,流通股比例与银行效率不存在显著的相关关系。借此找出目前我国上市银行股权结构与公司治理结构中存在的问题,并针对研究的结果提出了改进建议和思路,这对于我国银行业优化股权结构和完善公司治理机制具有现实的指导意义。在金融全球化的时代背景下推动我国商业银行股权结构的发展与改革,为上市商业银行的稳定运营与银行效率提升之间的协调问题做出一些有益的探索和尝试。更多还原

【Abstract】 Banking, which plays an important role in economy,is the main sector of the finance industry in China. Whether Banking can maintain operating stably and efficiently affects the development of entire finance industry directly, and even links to the state of national macro economy. Efficiency, as an indicator of banks’competitiveness, determines the prospect of banking industry in future. The level of efficiency in commercial banks is directly related to the outcomes of distributing social resources and economic development; therefore it is significant to study the efficiency in commercial banks. Ownership structures are the foundation of efficiency in banks. In China, most commercial banks developed in planned and transition economy affected by the characteristics of economic structure affect, and generally went public relatively late, which ownership structures play an important part in efficiency.The study applies theories in ownership structure of commercial banks and efficiency as the theoretical support, referring relevant literature search methods across the world, analyzes cases based on specific data of listed commercial banks in China. The subject of14samples is chosen from China’s listed commercial banks in2009and2012. The evaluation of shareholding reform is based on the descriptive statistical analysis of the ownership structure and. The regression analysis discusses the relationship between ownership structure in listed companies and banks’ efficiency. The indicates is a positive correlation between the relative concentration of equity bank efficiency hypothesis; proportion of state-owned shares were negatively correlated with bank efficiency corporate shares and bank efficiency ratio was inverted U-shape, the proportion of tradable shares and banking efficiency there is no significant correlation between.China’s listed banks to identify the current ownership structure and corporate governance problems for the results of the study recommendations for improvements and ideas, which optimize the ownership structure of the banking sector and improve the corporate governance mechanism has practical significance. In the context of the era of financial globalization to promote China’s commercial banks ownership structure development and reform.as listed commercial banks and banking efficiency and stable operation of co-ordination between make some useful exploration更多还原