共查询到19条相似文献,搜索用时 343 毫秒
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金融深化与银行稳定的微观作用机制主要指发展中国家的政策调整(如:利率管制放松,市场准入放松、建立证券市场等)导致其银行业的安全性、流动性和盈利性之间相互失衡,从而加剧银行体系不稳定的状况。本文将从三个方面对此进行论述。 相似文献
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社区银行:民营银行发展的曙光 总被引:1,自引:0,他引:1
在中国加入世贸组织、金融业对外开放力度明显加大的背景下 ,银行业放松管制已经成为一个必然的趋势。基于中国金融业对外开放的承诺 ,实际上中国的银行业已经对外资有条件开放。作者借鉴美国社区银行与中小企业紧密合作的经验 ,结合中国的现实状况 ,提出社区银行应当成为中国放松银行管制、将民间资本引入银行业的主要突破口之一 相似文献
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金融发展如何影响企业人力资本是当前供给侧改革的重要命题,本文基于微观企业层面的劳动力细分技能信息,并匹配银监会网站所提供的银行分支机构数据,考察了银行管制放松对企业人力资本的微观影响机制.结果表明:银行管制放松通过缓解融资约束促进了人力资本的升级,这一结果在多维度的稳健性检验下保持稳健.与此同时,银行管制放松还通过缓解融资约束显著地提升了企业支付技能溢价的能力、研发投入、资本品投入与人力资本投资,与人力资本升级保持了逻辑上的一致.拓展性研究还发现,银行管制放松通过缓解融资约束,促进了技能劳动力就业,但阻碍了非技能劳动力就业,产生了技能劳动力对非技能劳动力的替代,从而有助于缓解劳动力供需结构性不匹配的问题;私营企业和外资企业的人力资本均在更大程度上受益于地方银行发展所引致的融资约束缓解.进一步研究表明,本文的基准结论在更长的时间维度上对于融资手段更多样化的上市企业同样是成立的.本文的结论意味着,深化银行业改革,推动银行管制放松不仅使人力资本投资事半功倍,而且是应对人口结构转型、激发第二次人口红利的重要保障. 相似文献
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20世纪90年代,世界范围内银行业并购浪潮风起云涌,这期间中国银行业的并购也拉开了序幕。国内银行并购与国外银行并购相比有其特殊的一面。本就中外银行业的并购进行了比较,同时又提出了我国银行业应对国际并购的对策。 相似文献
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中国银行业创值能力分析--EVA体系对银行经营绩效的考察 总被引:22,自引:0,他引:22
中国经济要保持高速、稳定增长,需要进一步提高经济效率,实现质量型增长.其中,关键是资金效率.中国资金运用效率的高低很大程度上取决于占社会资金78%以上的银行业的资金效率.为此,本文应用EVA分析体系来综合系统地分析中国银行业的绩效.分析结果显示,上市银行虽然好于非上市银行,但由于国有商业银行的比重较大,银行业整体创值能力明显较弱.建议以提高国有商业银行资金运用效率为当下改进社会资金运用效率的切入口. 相似文献
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Rekha Rao-Nicholson 《International Journal of the Economics of Business》2015,22(1):87-117
This paper examines the influence of the 2007–08 financial crisis on value creation for acquirer’s shareholders in the banking industry using a sample of 883 deals over 2004–12. Applying an exploratory and top-down approach, banking acquisitions are considered at the global level, narrowing the analysis step by step to consider domestic versus cross-border acquisitions. Then cross-border deals are split based on the economic development of the acquirer and target countries. It is observed that only acquisitions involving emerging-economy acquirers and developed-economy targets generate positive and significant returns to shareholders after the crisis. Major changes in the global acquisition landscape are also observed since 2007, with emerging-economy banks increasing their acquisition activity, both nationally and internationally. 相似文献
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宏观审慎监管需要微观基础.研究商业银行偿付能力风险与流动性风险和银行体系风险的关系,有助于监管当局制定合适的监管工具,有效管理银行业的系统性风险.中国未曾爆发过真正意义的银行业危机,因而研究影响银行业系统性风险的因素成为难题.在借鉴风险二维定义属性基础上,本文对商业银行偿付能力风险和流动性风险如何影响银行业稳定进行了实证分析.分析结果表明,当商业银行偿付能力上升时,银行风险承担会上升,进而增加银行倒闭的预期损失;商业银行流动性风险的上升也会增加银行倒闭的预期损失;商业银行偿付能力提高时,流动性风险会降低;商业银行流动性风险上升时,偿付能力风险也上升. 相似文献
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This paper reviews how long-term relationships between firms and banks shape the structure and integration of banking markets worldwide. Bank relationships arise to span informational asymmetries that are endemic in financial markets. Firm-bank relationships not only entail specific benefits and costs for both the engaged firms and banks, but also directly affect the structure of banking markets. In particular, the sunk cost of screening and monitoring activities and the 'informational capital' collected by the incumbent banks may act as a barrier to entry. The intensity of the existing firm-bank relationships will determine the height of this barrier and shape the structure of international banking markets. For example, in Scandinavia where firms maintain few and strong relationships, foreign banks may only be able to enter successfully through mergers and acquisitions. On the other hand, Southern European firms maintain many bank relationships. Therefore, banks may consider entering Southern European banking markets through direct investment. 相似文献
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Spatial competition and market power in banking 总被引:3,自引:0,他引:3
Timothy J. Richards Ram N. Acharya Albert Kagan 《Journal of Economics and Business》2008,60(5):436-454
Banks in non-metropolitan areas compete in a spatially differentiated environment. Non-metro community banks have been insulated from increasing competition from metro banks due to their reliance on soft information in relationship lending. Proximity to borrowers, therefore, may be an important source of market power for non-metro community banks. This paper estimates a structural model of the supply and demand of banking services in which pricing power is allowed to depend explicitly on the distance between rival banks. A spatial autoregressive econometric model shows that approximately 38.0% of economic surplus earned by firms in non-metropolitan banking in the upper midwest is due to spatial market power. 相似文献
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From 2006 to 2011, with the change in regulatory policies, most regions of China relaxed restrictions on the intercity branching of city commercial banks, which led to a significant increase in the number of nonlocal branches of city commercial banks. We assess the impact of this bank branching deregulation on the credit risk of the regional banking sector across 286 prefecture-level cities in China. We find that deregulation has increased the credit risk of the regional banking sector in host cities by intensifying competition and encouraging risk-taking behaviors such as “lowering lending criteria” and “attracting deposits with higher interest”. Moreover, this effect becomes more pronounced in regions with a higher initial level of the loan-to-deposit ratio and regions with a higher initial level of competition in the banking sector. 相似文献
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Since China joined the World Trade Organization in 2001, the pressure for bank reforms has mounted as China ought to have fully opened up its financial market to foreign competition by 2006. Efficiency is key for domestic banks to survive in a liberalised environment, but it appears that the last hope for raising bank efficiency is through ownership reform. Whether ownership reform and foreign competition can solve China's banking problem remains to be tested. This paper aims to answer this question using a non‐parametric approach to analyse the efficiency changes of 15 large commercial banks during 1998–2005. We find that ownership reform and foreign competition have forced Chinese commercial banks to improve performance, as their total factor productivity rose by 5.6 per cent per annum. This coincides with the recent bullish Chinese stock markets led by three listed state‐owned commercial banks. Despite such encouraging results, we remain cautious about the future of Chinese banks, as the good results may have been artificially created with massive government support and the fundamentals of the banks may be still weak. 相似文献