股权结构与董事会特征对我国商业银行绩效影响分析-analysis of the impact of ownership structure and board characteristics on the performance of chinas commercial banks.docxVIP

II摘 要近年来我国商业银行在股份制改革和公司治理机制改革方面取得了巨大的 突破和显著的成果，但由于我国经济体制改革过程中一系列问题的存在，相比于 国外成熟的商业银行模式，我国商业银行不论是在股权结构还是在公司治理机制 上均存在着一定的缺陷。本文从我国大型国有商业银行、全国性股份制商业银行 以及城市商业银行中挑选了 42 家商业银行作为研究对象，探讨银行绩效的最优 表示变量，并在此基础上研究了商业银行股权结构与董事会特征对其绩效的影 响。本文采用理论分析与实证检验相结合的研究方法，选取我国商业银行中数据 较为全面的个体作为样本，采用 DEA 超效率模型对银行绩效进行测算，并运用 Tobit 模型分析了股权结构与董事会特征对银行绩效的影响机制。实证结果显 示，适度的股权集中度、适度的董事会规模以及内部人持股均有助于银行绩效的 提升，而国有股比例、独立董事比例等对银行绩效不存在显著影响。关键词：商业银行绩效，股权结构，董事会特征，DEA 模型，Tobit 模型IIIIAbstractIn recent years, Chinese commercial banks have made great breakthroughs and remarkable achievements in the shareholding reform and the corporate governance mechanism reform. However, due to a series of problems existing in the process of economic structural reform in our country, commercial banks in China have some shortcomings compared with foreign mature commercial banks. This article selects 42 Chinese commercial banks as the research object from the large state-owned commercial banks, national joint-stock commercial banks and city commercial banks, decides the optimal variable to reflect bank performance, and studies the effects commercial bank’s ownership structure and board characteristics made on its performance.Based on the theoretical analysis and the empirical research method, this article chooses the most representative and informative banks as the sample, uses DEA super efficiency model to measure bank performance, and through Tobit model analyzes the influence mechanism of ownership structure and board characteristics on bank performance. The empirical results show that moderate shareholding concentration, moderate size of the board of directors and insider ownership help improve bank performance, while the proportion of state-owned shares and the independent directors proportion have no significant effects on bank performance.Keywords：bank performance， ownership structure， board characteristics， DEA model， Tobit model PAGE PAGE IV目录 HYPERLINK \l _bookmark0 第一章 导论 1 HYPERLINK \l _bookmark1 1.1 选题背景与研究意义1 HYPERLINK