市场化导向的银行业结构调整与中国商业银行经营效率提升机制研究

项目名称： 市场化导向的银行业结构调整与中国商业银行经营效率提升机制研究

项目编号： No.71473189

项目类型： 面上项目

立项/批准年度： 2015

项目学科： 管理科学

项目作者： 侯晓辉

作者单位： 西安交通大学

项目金额： 50万元

中文摘要： 金融体系经常被形象地比喻为一国经济体的血液循环系统，时至今日，商业银行依然是中国金融体系中最重要的主体。虽然现代银行制度在中国已基本建立，但随着银行业全球化竞争加剧与中国利率市场化改革的加速推进，中国商业银行将逐渐失去利差保护和特许权价值优势，原有的粗放型发展模式难以为继，银行的经营效率亟待提高。针对中国银行业所存在的市场结构集中、金融产品创新能力薄弱、面向实体经济的服务滞后、金融风险持续积累等阻碍了商业银行经营效率提升的结构性问题，本课题将探究外部市场结构调整与内部产品结构、组织管理结构与风险结构调整对商业银行技术效率、规模效率、配置效率和全要素生产率的理论与实证影响机制，并据此提出市场化导向的银行业结构调整政策建议。本研究将为银行业监管部门制定发展规划和实施有效监管提供决策参考。

中文关键词： 银行业；结构调整；商业银行；经营效率

英文摘要： Financial system is often vividly compared to the blood circulatory system of a country's economy. Up to now, commercial banks are still the most important entities in China's financial system. Although the modern banking system has been established, China's commercial banks will gradually lose the protection for interest margin and the advantage of franchise value with the increasing in global banking competition and the accelerating of deregulation on interest rate. Therefore, the extensive development model is not sustainable. The operation efficiencies should be improved as soon as possible. Regarding these defects in China's banking sector, including higher degree of market concentration, lower capability of financial innovation, insufficient financial supply for real economy, as well as sustained accumulation of banking risks which has hindered the improvement of banks' efficiencies, this project aims to analyze the influences of the adjustments of market structure, product structure, organization structure, and risk structure on banks' technical efficiency, scale efficiency, allocative efficiency and TFP theoretically and empirically. Furthermore, the implications of this study for the market-oriented restructuring of China's banking sector will be discussed. Our project will provide decision-making suggestions for banking supervision department to draw up the development planning and implement effective regulations.

英文关键词： Banking;Restructuring;Commercial Banks;Efficiencies