商業(yè)銀行中間業(yè)務(wù)效率及影響因素的研究

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1、重慶大學(xué)碩士學(xué)位論文英文摘要ABSTRACTCommercialbankshavebeensupervisedinamoreandmorerigidwaysincethefinancialcrisiscausedbysubprimelendingin2008.Constantlyimprovedcapitaladequacyrequirementsinducesfewerandfewerloanabelfundsforcommercialbanks.ForeignbanksgotlocalmarketaccessafterChinajoinedtheWTOin2001,pos

2、inggreatthreattothelocalpeers.Reccentyears,Chinesegovernmentislaunchingitsplanofinterestliberalization,inparticular,,theauthorityhascompletelyderegulatedtheloaninterestratelastyear.Ontheotherhand,themoreperfectthemarketis,thefewerrolethebankscanplay.Becausethefundraisercandirectlyraisethefun

3、dneededthroughcapitalmarket,ratherthanthroughthebanklending,severelysqueezingthemarginofcommercialbanks.Allofthesemakecommercialbankleadingaharderwaythaneverbefore.Shiftingthewaytooperatebecomesthetoppriorityforbankswhowanttosurvive,sotheintermediarybusinessiscomingtooureyes.HoweverChineseba

4、nkingindustrymainlyrelyontraditionalwaytogainingprofit,Soastotheintermediarybusiness,alotofproblemsexist..Howtodeveloptheoff-balancesheetbusinessisthehighlightforindustrialleadersinthenextdecade.ThispaperfocusesontheefficiencyoftheintermediarybusinessofChinesebanks.WeuestheDEA,Malmquistappro

5、chandTobitmodeltoanalysethesituation,tryingtofindouthowthebanksperformedtheirintermediarybusinessandthefactorwhichhasimpactontheefficiency.ThesoftwaresusedinthisstudyareDEAP2.1andEviewstoassistouranalysis.Thelogicframeofthisstudyislikethis:Firstlyexplainssomerelatedconceptionsoftheintermedia

6、rybusiness,andlooksbackrelatedresearchaboutbankefficiencyandtheoff-balancesheetbusiness.Recfifyingtheempiricalstudybefore,wecollecteddatafrom23commercialbankduringtheyearof2007to2012,calculatingtheefficiencyoftheintermediarybusinessandfindtheinfluencingfactorsfrommicroperspective.Fin

7、ally,basedontheresearchdescribedbefore,wecometotheconclusionandproposesomesuggestionsbothpoliticallyandpractically.Keywords:Intermediarybusiness,Efficiency,DEA,Malmquist,TobitII重慶大學(xué)碩士學(xué)位論文目錄目錄中文摘要....................................................