【作者】 刘颖；

【导师】 丁宁；

【作者基本信息】 东北财经大学 ， 金融学， 2016， 硕士

【摘要】 银行作为资金需求方与供给方之间的枢纽,在我国的经济发展中起到至关重要的作用,但随着我国利率市场化的基本完成以及外资银行的进入和民营资本进入银行业的常态化发展,我国商业银行面临的形势越来越严峻,要想在未来的经济环境中占有一席之地,提高自身经营绩效至关重要,而贷款作为我国商业银行的支撑,其结构的合理与否对商业银行经营绩效的提高具有十分重要的意义。本文旨在研究对不同行业的贷款占比与商业银行经营绩效之间的关系,这不仅能够为优化商业银行贷款的行业结构,提高商业银行的经营绩效提供有价值的参考,而且通过对商业银行的性质进行区分,研究对不同行业的贷款与不同类型商业银行经营绩效之间的关系,能够为各类型商业银行的贷款目标行业定位提供参考,对提高银行业经营绩效、促进我国经济健康发展具有十分重要的现实意义。本文通过对相关文献进行综述,总结归纳了以往学者的研究结果,并在此基础之上,通过理论分析,了解商业银行贷款行业结构与其经营绩效之间的影响机制。在分析了我国16家上市商业银行的贷款总体情况以后,发现其贷款行业集中度较高,贷款主要流向制造业、房地产业、批发和零售业以及交通运输、仓储和邮政业。另外,在实证分析中,本文选取我国16家上市商业银行2008-2015年的数据,利用面板分析方法研究了贷款的行业结构对我国上市商业银行经营绩效的影响,并对不同类型上市商业银行进行了比较分析。结果表明,不同行业贷款占比对我国上市的商业银行的经营绩效影响存在差异,并且上市商业银行类型不同,各行业贷款占比对其经营绩效存在的影响也不同。最后,本文认为,不同类型的商业银行应根据自身情况合理定位目标贷款行业,商业银行应适当控制对垄断性行业的贷款,增大对新兴行业的贷款支持力度,并扩大对科教文卫体等具有较强外部性的行业的贷款。更多还原

【Abstract】 As the hub between the capital demanders and suppliers,the allocation of bank credit funds plays an important role in the economic development,but with the mainly completion of the marketization of interest rate in our country,foreign banks’entry and normalized development of private capital getting into the banking industry,the situation that the commercial bank faces is more and more serious,so improving business performance is important to the commercial banks.As the key business of commercial banks,the reasonable structure of loans is of great significance to improve the business performance of the commercial Banks,the purpose of this paper is to research the relationship between the commercial Banks operating performance and the loans to different industries,it can not only to optimize the industry structure of commercial banks’ loans,but also to improve the operating performance of commercial banks.Researching on the relationship between different industries and different types of commercial banks operating performance is significant to provide reference to various types of commercial banks lending target industry,to improve the business performance,and to promote the healthy development of economy.According to summarizing the related research of the previous scholars,this paper has a theoretical analysis to understand how the commercial bank loans between different industrys influence its operating performance.Analysis to the overall situation of 16 listed commercial banks in China,we find that China’s listed commercial banks’ lending industry concentration degree is high,the loans mainly flow to the manufacturing,real estate industry,wholesale and retail trade and transportation,warehousing and postal service.In addition,in the empirical analysis,this paper selects 16 listed commercial banks’ data in China from 2008 to 2015,using the panel data method to analysis the industry structure’s impact on China’s listed commercial banks’ operating performance,and contrasting the different effects between different types of listed commercial banks’ loan structure and the operating performance.The results show that different industries loan ratio affect the business performance of the listed commercial banks in different ways,and different types listed commercial banks industry loan ratio influences the business performance also in different ways.Finally,this paper give some advices including that different types of commercial banks should determine the reasonable target lending industry structure according to the different circumstance.Commercial banks should properly control the loans to the monopoly industries,increase loans to emerging industry and the science-education-culture-health industry.更多还原