商业银行股权结构与商业银行经营绩效关系的分解.docVIP

商业银行股权结构与商业银行经营绩效关系的研究 学 生：XXX，XXXX学校 指导老师：XXX，XXXX学校 摘要 银行股权集中度与治理结构有着密切联系,股权集中度影响银行经营绩效。运用委托代理理论,对我国上市银行股权集中度对激励机制、监督机制、约束机制绩效的影响进行分析,并通过实证检验,得出以下结论:(1)我国十家上市银行股权集中度均属于相对集中型和高度集中型,不存在分散集中型。(2)上市银行股权集中度与银行绩效具有显著相关性:股权集中度高,激励机制、监督机制都不能有效发挥作用,上市银行的绩效差;反之,股权集中度较低,股东有提高业绩的动力,银行绩效较好。(3)股权高度集中,不利于提高银行的绩效。?Study on the relationship between commercial bank ownership structure and the performance of commercial banks Abstract Bank?concentration of ownership and?governance structure?are closely linked,ownership concentration?influence?bank performance.?Using the principal-agent theory,?the?bank?listed?on?the impacts of the?incentive mechanism,supervision mechanism,?restraint mechanism?performance?is analyzed,?and through?empirical analysis,?draw the following conclusions:?(1)?the equity?of ten listed?bank concentration?are?relatively concentrated?and?highly centralized,?decentralized and centralized?type?does not exist.?(2)concentration and bank performance?of listed bank stock?has significant correlation:?the high concentration of shareholding,?incentive mechanism,supervision?mechanism can not?effectively play the role?of listed banks,?poor performance;?conversely,?ownership concentration?is low,?shareholders have the motivation?to improve?performance,?the bank?performance?is better.?(3)the highly concentrated ownership,?is not conducive to?improve the performance of the bank. Keysword Listed banks; Ownership structure;?ownership concentration;?performance;correlation 目录 第一章、引言………………………………………………………………………… 第二章、理论基础……………………………………………………………………4 第一节、股权结构……………………………………………………………5 一、股权结构及内涵…………………………………………………5 二、股权结构、激励机制与银行经营绩效的理论分析……………5 三、股权结构、监督机制与银行经营绩效的理论分析……………5 四、股权结构、代理权竞争机制与银行经营绩效的理论分析……6 第二节、股权结构与绩效关系…………………………………………………6 一、国有股对银行经营绩效影响的理论分析………………………6 二、法人股对银行经营绩效影响的理论分析………………………7 三、外资股对银行经营绩效影响的理论分析………………………7 第三章、中国商业银行股权与绩效关系分析……………………………………7 第一节、数据来源与指标选取……………………………………………………7 第二节、股权集中度与银行绩效的相关分析……………………………………9 第三节、各型股权结构对上市银行绩效的