城市商业银行分支机构跨区域设置影响因素研究-金融学专业论文.docxVIP

摘 要 自 2006 年城市商业银行首家跨区域异地经营的分支机构——上海银行宁 波分行的成立以来，城商行跨区域的发展战略已经成为一种趋势，走进第八个 年头，迎来发展的关键时刻。城商行的异地设置，为本行带来了经济效益与品 牌效应。但是，如果城商行对目标城市的选择不当，将给中国的城市商业银行 的发展的安全性带来了很大的风险隐患，所以必须对什么因素影响城商行跨区 域进入有一定的了解。 本文采取了实证分析法，以 2008 年到 2012 年为样本期间，把位于 25 个城 市的城商行异地分支机构的数目作为被解释变量，使用面板数据，建立计量经 济模型来度量我国城市商业银行跨区域时选择所必须考虑到的影响因素，在经 过了样本数据的收集、解释变量的选择，最终得出了模型参数估计，并对模型 结果进行了分析和讨论。 本文得到的结论如下：地区生产总值、第三产业增加量、邮电业务总量、 房地产投资总额和城乡居民储蓄年末余额等五个因素得到了由面板数据构建的 计量经济模型的显著性检验的证实。最后在实证的基础上，结合通过显著性检 验的因素指标的经济意义，最终给出相应的政策建议。 本文的主要创新点是重点阐述了样本城市的五个因素，影响我国城市商业 银行跨区域进入目标城市的程度。本文的研究方法突破了传统文献中，只有定 性分析的局限，使得分析结果更有说服了和新的实际指导意义。 关键词：城市商业银行，跨区域，面板数据 Abstract Since the establishment of the Shanghai bank’s first branch of the cross-regional area——Ningbo branch. The progress of city commercial banks has been developed over eight years. Those cross-regional branches made a significant contribution to social and economic development. It is now a key point of development. However, if the city commercial banks choose a wrong place to settle down, it will produce a large amount of risks because of its weak profitability, poor management and uncomfortable culture shock. This has brought a great deal of potential risks to the stable development of Chinas economic and finance system. Therefore, it is very important to make it clear what influence the decision, made by the city commercial banks, of cross-regional expansion A quantitative method is applied to analyze how China’s city commercials banks to select a appropriate location. The empirical analysis is to use panel data model to illustrate the three kinds of key influencing characters which must be considered in the selection of the different location by the city commercials banks. The quantitative method leads to a breakthrough of traditional qualitative analysis of the same problem. Now it makes the research results more convincing and much more practical. After the analysis by the model, the conclusions of this paper are listed as following. First all, there are five factor are