我国银行业改制上市效应的比较分析

本文按照国有商业银行、股份制商业银行和城市商业银行三个类别,对我国银行业改制上市的效应进行了比较分析。研究发现,三种类型的银行通过改制上市,在资产规模、盈利能力、不良贷款比率控制等方面均取得了积极成效,尤其在上市融资充实资本金方面更是效果显著。同时,改制上市的积极成效在三种类型的银行之间也表现出一定程度的分化,相对于国有商业银行和城市商业银行,股份制商业银行改制上市的效应发挥得更为显著。其中的原因可能在于股份制商业银行改制上市推行较早,且大多为中型市场规模,良好的规模经济效应更有利于银行改制上市效应的充分发挥。

The Comparative Analysis on the Effect of Chinese Banks' Reorganization and Listing

This paper divides Chinese listed banks into three types: state-owned commercial banks, joint-stock commercial banks and city commercial banks, and compares the different effects of their reorganization and listing. Reorganization and listing remark- ably advances the asset scale, profitability and NPLs control of all three types of banks, especially their capital adequacy ratio. At the same time, there are also some disparities in the positive effects among three types of banks. Comparing with state-owned ...