所有权结构对我国银行业绩的影响研究

本文运用我国29家银行2000-2010年业绩及所有权结构指标定量地衡量了所有权结构对银行的盈利能力、资产质量和净利润增长率产生的静态效应、选择效应和动态效应。研究结果表明,在静态效应方面,业绩最优的是城市商业银行;在选择效应方面,被选择进行股份制改革的银行之前业绩较差,被境外投资者选择的银行之前业绩则较好;在动态效应方面,股份制改革和公开上市有利于银行资本充足率的提升。最后本文提出发展城市商业银行体系、健全现代化经营管理体制、规范并加强资本充足率的管理、引入战略投资者以优化银行所有权结构、促进银行业绩增长等建议。

The Effects of Ownership on Banks’ Performance in China

Using an unbalanced panel data of 29 Chinese banks over the years from 2000 to 2010,this paper assesses the static effects,election effects and dynamic effects of bank ownership on banks’ performance in China.The results show that the city commercial bank is the best in static effect;In election effect,the chosen banks of shareholding reform are worst,and the chosen banks of strategic investors are better;In dynamic effect,shareholding reform and listed publicly are better for the increase of capital adequacy ratio.According to above results,this paper suggests that the development of city commercial banks is significant to the next stage of bank system’s reformation.Besides,regulatory institutes should strictly regulate capital adequacy ratio to improve the risk resistance capacity of bank system.Moreover,strategic investors should be encouraged to invest in Chinese banks,because they have played important roles in improving banks’ performance.