【作者】 蔡洁；

【导师】 杨琤莹；

【作者基本信息】 天津财经大学 ， 金融学， 2008， 硕士

【摘要】 产权结构是影响各国商业银行绩效的一个重要因素,在中国也是如此,根据以往的研究,中国的产权结构对商业银行的绩效有显著的影响。同时,根据SCP理论,市场结构也会对企业的绩效有显著的影响。由于中国银行业的市场结构具有明显的寡头垄断特点,因此笔者推断这种结构应该会对中国商业银行的绩效有一定影响。另外,由于经济资源分布、经济发展水平和社会分工在地域上具有明显的非均衡性,使得中国经济运行和发展表现出了很强的区域性特点。银行系统作为国民经济系统的重要组成部分,银行的运行和发展也呈现出明显的区域性特征,这从新兴的股份制银行产生和发展的地区都集中在东部发达地区可以窥见一般。不同地区银行业的市场条件、环境不同,银行业在金融市场上所处的地位也会有不同,这些客观存在的差异使得从全国范围内得出的市场结构对银行绩效的影响不显著的结论是很不科学的。因此,本文要解决的另外一个问题就是市场结构是否会影响产权结构对银行绩效的作用。如果是这样,那就需要进一步分析其作用机制,分析不同地区银行业市场结构的特点及不同。天津和浙江都是中国重要的金融中心,也是银行业竞争较为激烈的地区。在这两个地方,所有全国性的商业银行都开设有分支机构,WTO条款中所规定的金融开放时间已过,外资银行的进入,将使得银行业的竞争更为激励和具有更多不确定性。基于此,本文选择天津和浙江省国有商业银行和股份制银行作为研究对象,通过规范分析与实证分析相结合的方法,探讨不同地区商业银行业市场结构、产权结构与其绩效之间的关系。更多还原

【Abstract】 The structure of equity is one of the most important factors that influence the performance of commercial bank, so is in our country. According to the past research, the property right structure in our country has remarkable influence on commercial bank’s performance. At the same time, according to theory of SCP, the structure of market also has prominent influence on firm’s performance. The structure of market in banking has obvious characteristic in our country, so the author inference this structure should has some influence on commercial bank’s performance. Moreover, the distribute of economical resources、the level of economic development and social division of labor has obvious in-equilibrium on region. This makes the movement and development of Chinese economy display bright regional character. Banking system as an important component of national economy system, the movement and development of it also displays bright regional character. We can conclude the fact from the developing of new joint-stock banks centralize to the east area. Different area has different market condition、environment and different status in financial market, some of which makes the conclusion unscientific from the analysis of the performance of commercial bank in whole country. Therefore, this essay has to validate whether property right structure will influence bank performance in different markets. If it has the influence, we should analyze the function mechanism and the market structure in different region.Tianjin and Zhejiang are both important financial centers in northern China. They all have the intense competition in the banking sector. All national commercial banks are opening branches in these two areas. With financial opening which stipulated along with the WTO provision around the corner, foreign bank will enable banking industry’s competition more uncertainly. Based on this, this paper chooses Tianjin and Zhejiang state-owned commercial banks and joint-stock banks as a research object as to analyze the relationship between the performance of commercial bank and market structure and ownership structure by standardized analysis and empirical analysis.更多还原