【作者】 高山；

【导师】 赵昕；

【作者基本信息】 中国海洋大学 ， 工商管理（专业学位）， 2014， 硕士

【摘要】 国民经济的快速发展使人们对资金的需求越来越大，商业银行作为协调资金供求方和需求方融资问题的中介，在促进经济正常运转过程中发挥了重要的作用。直接融资具有融资规模小、信息不对称性等局限性，商业银行作为间接融资的主要渠道，在对经济发展提供金融支持中扮演了重要角色。商业银行是一国经济发展的重要资金融通机构，是面向资金供求双方协调间接融资的中介媒体。在直接融资渠道有待完善的情况下，我国商业银行在对经济发展进行金融支持方面发挥着举足轻重的作用。鉴于商业银行在经济社会发展中如此重要的地位，理论界和实务界对其经营行为和效率的关注也越来越多。伴随着我国逐步放宽金融市场以及进一步深化经济体制改革，商业银行正处于前所未有的经济竞争环境之中。近年来，上市商业银行规模越来越大，城市商业银行发展迅速，同时股份制商业银行在全国范围内正不断扩张，进驻中国的外资银行数目不断增多，我国商业银行的市场结构也发生了变化。五大国有控股商业银行一直处于中国银行业的垄断地位，但随着城商行和股份制商业银行的迅速发展，其垄断地位受到威胁。与外资银行相比，国内商业银行的绩效水平和盈利能力都较低。因此，商业银行的市场结构与效率关系的研究逐步成为国内外学者研究的热点课题。山东省商业银行目前也面临着多重冲击，结合山东省商业银行的发展现状，探索山东省商业银行市场结构与效率的关系，一方面可以总结山东省商业银行发展现状并找出不足，另一方面为山东省乃至全国范围内的商业银行提高经营效率提供参考价值。本文将研究目的定位如下：从银行市场结构和银行效率的基础理论出发，对山东省商业银行的市场结构进行深入的分析，对商业银行的效率进行全面测度与评价，并基于山东省经济发展现状，定量分析国有控股大型银行和股份制商业银行市场结构与效率的关系，最终以实证检验结果为依据，提出促进山东省商业银行效率提高的政策建议，实现理论与实践相结合的最终目标。本文的主要内容由五个部分组成：第一章，研究的理论基础篇章。主要介绍了商业银行市场结构理论，包含了商业银行市场结构的概念和测度方法；商业银行效率理论，包含了效率界定和效率分类；商业银行效率评价方法，包含了传统评价方法和前言分析方法。第二章，山东省商业银行市场结构的现状评估。简介山东省银行业的发展概况，后引入CRn指数和赫芬达尔指数对山东省商业银行市场集中度进行分析。第三章，山东省商业银行效率测度。首先，选取山东省主要商业银行为样本，构建效率评价的指标体系；然后，运用DEA-Malmquist模型对山东省五家国有控股大型银行分行和部分股份制银行分行的技术效率、纯技术效率、规模效率进行测度，并结合Malmquist指数分析了山东省商业银行全要素生产率在样本期间内的变化趋势。第四章，山东省商业银行市场结构与效率的关系检验。在其中又加入了如国民经济发展状况、银行经营风险等控制变量因素，最终得到市场结构对效率的影响作用。随后又提出山东省商业银行效率水平提高的相关政策建议，希冀可以为商业银行效率的提升做助力依据。第五章，结语。对于本文进行的课题研究进行总结，并说明了作者发现的局限与不足。更多还原

【Abstract】 The rapid development of national economy makes people’s demand for capitalis more and more. As a coordination mediation of capital supply and demand,commercial banks (hereinafter referred to as CB) plays an important role in theprocess of promoting economic normal operation. Direct financing has the limitationssuch as financing scale is small, information asymmetry, etc. As the main channel ofindirect financing they also provide financial support for economic development. CBis an important financing institution. The economic development of a country isgeared to the needs of both sides of capital supply and demands coordination fromindirect financing intermediary media. In the case of direct financing channels to beperfect, CB in China in terms of financial support for economic development plays avital role. In view of CB in such an important position in economic and socialdevelopment, theory and practice are paying more attention on the behavior andefficiency of the management.Along with gradually easing financial markets and further deepening the reformof economic system, CB is in the midst of unprecedented economic competitionenvironment. In recent years, the scale of the listed CB is expanded and the city CBhas been developing rapidly. At the same time, joint-stock CB are expandingthroughout the country and the number of foreign banks is growing into Chinesemarket. The market structures of Chinese CB have also changed. Five majorstate-owned CB has been at the monopoly of China’s banking sector, but with therapid development of city businesses and joint-stock CB increased, the monopoly isunder threat. Compared with foreign Banks, domestic CB’s performance andprofitability is low, therefore, the findings of the study of the market structure andefficiency of CB are gradually becoming hot research topic of scholars in and abroad.CB in Shandong Province also faces multiple impacts. In combination with thepresent situation of the development of CB in Shandong, the relationship between market structure and efficiency of CB is explored. On the one hand, it can summarizethe current situation of the development of CB in Shandong and find the deficiency;on the other hand, the reference is provided to the CB to improve the efficiency ofmanagement for Shandong and even for the national scope.Purpose of this article is as follows: market structure from the bank and the bankefficiency theory; the basis of the market structure of CB in Shandong in-depthanalysis; efficiency is a comprehensive measurement and evaluation starting from theactual situation of Shandong. It analyzes the major CB and the joint-equity CB inquantitative inspection of the relationship between market structure and efficiency.The recommendation of CB efficiency is promoted on the basis of test results, thus itwill achieve the theory instruction practice test theory and practice of researchpurposes. The article is composed of five parts：The first chapter, the essential theories. It mainly introduces three parts: marketstructure theory of CB including the concept and measuring method of it; efficiencytheory of CB including the definition and classification of the efficiency; efficiencyevaluation method of CB including the traditional evaluation method and frontieranalysis method.The second chapter, the status assessment of Shandong CB. The development ofShandong CB is introduced briefly. CB market concentration is analyzed by CRNindex and HHI.The third chapter, efficiency measure of Shandong CB. Firstly, it selects the mainCB in Shandong as the sample to build the index system of efficiency evaluation.Secondly, it estimats the technical efficiency, pure technical efficiency and scaleefficiency by DEA-Malmquist model. It analyzes the variation tendency of the totalfactor productivity of Shandong CB during sample period.The forth chapter, inspection of relationship of Shandong CB market structureand efficiency. Ultimately there are impacts on the efficiency of market structure asthe other factors join in, such as the development of the national economy andvariables operating risk. Followed by to raise efficiency levels in Shandong CB toimprove relevant policy recommendations, hoping it can help make a basis for improved efficiency.The fifth chapter, the conclusion. This paper is summarized for the research andit is illustrated the limitations and deficiencies found by the author.更多还原