【作者】 刘莹；

【导师】 赵增耀；

【作者基本信息】 苏州大学 ， 工商管理（专业学位）， 2015， 硕士

【摘要】 2011年,普华永道发布了《2050年的银行业》报告。文中预测,至2023年,中国内地银行业资产将逾30万亿美元,超越美国而跃居全球第一。一方面,随着我国逐步放宽外资银行进入的门槛,为其提供展业的便利性,鼓励其更多地参与市场的有效竞争,外资银行已然成为我国银行业必不可少的一部分。另一方面,伴随着这前所未有的发展机遇而来的,是前所未有的挑战。如何应对挑战,迎接机遇,在激烈的竞争中提升自己的管理水平、资产配置水平和规模等,以获得更多的客户,占有更大的市场份额,是外资银行在现当代的宏大背景下遭遇的必答题,更是需要认真面对的课题。汇丰银行,中国内地最大的外资银行,于2007年本地注册正式开业,总行设于上海。截至2014年底,汇丰银行在内地共设有173个网点。本文采用数据包络模型对汇丰银行(中国)有限公司(以下简称“汇丰中国”)的效率进行了实证分析,以希望研究结果对外资银行在中国的发展和经营管理具有重要的借鉴意义。银行效率是一个相对指标,对其的考察可以分为广义和狭义两个方面。从广义层面来说,银行效率指的是,整个银行业对国民经济的影响程度。狭义方面考察的是单个银行本身的效率。本文主要从狭义层面研究汇丰中国的经营效率。首先,基于现有国内外文献,采用定性的方法,阐述了外资银行、经营效率的含义及度量方法等,为后文分析奠定了理论基础。其次,从定量分析的角度,先运用财务指标法对汇丰中国的资本状况、资产负债、盈利能力和流动性状况四大方面进行介绍分析,从而对其目前的经营状况有一个基本认识和了解。再以数据包络分析(DEA)理论为基础,运用超效率DEA模型和Malmquist生产率指数方法对选择的具有代表性的15家样本银行(4家国有银行、8家股份制银行和3家外资银行)的技术效率、纯技术效率、规模效率等方面进行实证分析。通过测算出所有样本银行2008-2013年间的相对效率,并将得出的效率值与汇丰中国进行比较分析,找出汇丰中国的效率现状和经营特点。最后,根据实证分析得出的结论,总结汇丰中国存在的不足与问题,对如何提高其整体效率水平尝试性的提出了建议和意见。更多还原

【Abstract】 In 2011, PWC released the report “Banking in 2050 ". It is estimated that the total assets of banks in mainland China will reach more than $30 trillion in 2023, surpassing United States to become the No.1 in the world.On the one hand, with the gradually relaxation of the barriers on the entrance for the foreign banks, it has provided the convenience for the expansion of the business and encouraged more foreign banks to compete effectively in the market. The foreign banks have become an indispensable part of the banking industry in China. On the other hand, followed by this unprecedented development opportunity is the unprecedented challenge. Improving the efficiency of management, asset allocation and scale in the fierce competition for gaining more customers and owing much more market share is the big issue for the China banking to endeavor to resolve under contemporary grand economic background, and it is also the dilemma which needs to take it seriously.Being the biggest foreign bank in China, HSBC officially started business in 2007 with head office located in Shanghai. Till the end of 2014,HSBC has opened 173 outlets in the mainland China. In this thesis, efficiency of HSBC Bank(China) Company Limited(“HBCN” for Short) has been discussed in the theory of DEA. Practically, it is necessary for improving the development and management of foreign banks in China.Bank efficiency is a relative indicator, which has the board and narrow definition. More broadly conceived, bank efficiency refers to the impact of banking to the national economy. And in the narrow sense, it studies the efficiency of individual bank itself.This thesis aims to study the efficiency of HBCN in the narrow. First, based on the existing literatures, it expounds relevant theories of the definition of foreign banks, the meaning and measurement methods of bank’s operating efficiency with qualitative methods, which lays the theoretical foundation for the following analysis. Second, from the perspective of quantitative analysis, utilize financial indicators to understand HSBC China’s capital structure, assets and liabilities, profitability and liquidity status respectively in order to gain an understanding of HBCN’s operations. And Ultra efficient DEA model and Malmquist Index have been used to calculate technical efficiency, pure technical efficiency, scale efficiency of 15 sample banks of China, both of the models are based on DEA theory. By calculating the relative efficiency during 2008 to 2013 of all sample banks and through comparative analysis, it finds out the efficiency status and characteristics of HSCN. Last, deeply efficient problems of HBCN are explored on the basis of conclusions summarized previously. And proposals on how to improve efficiency are offered according to the problems.更多还原