城市商业银行股权结构与银行业绩分析-金融学专业论文.docxVIP

and bank performance’s relationship in different ownership structures. The empirical evidence shows that: the ratio of the largest shareholder and Herfindahl Index are significantly negatively correlated with bank performance; shareholder balance item is positively correlated with bank performance; when the largest shareholder is local government, the bank performance will be decreased; loan concentration is significantly negatively correlated with bank performance; The interact item of ownership structure and loan concentration indicates ownership concentration and balance do not influence the relationship of loan concentration and bank performance, but equity nature weakens the loan concentration’s bad influence on bank performance significantly. In summary, combining the empirical results and city commercial banks’ operation status, the paper makes some policy suggestions: Firstly, lower the largest shareholder’s share percentage and create shareholder balance mechanism. Secondly, reduce local governments’ intervention, introduce strategic investors. Thirdly, cooperate with other city commercial banks, reduce city commercial bank’s loan concentration risk, and take advantage of local information advantage and resource advantage to do business. Lastly, carry on accurate market orientation according to city commercial banks’ own circumstances, develop their small banks’ advantages. Keywords: City Commercial Bank, Ownership Structure, Local Government, Performance 目 录 中文摘要..........................................................................................................................................I 英文摘要........................................................................................................................................ II HYPERLINK \l _bookmark0 1 绪 论 ...................................................................................................................................... 1 HYPERLINK \l _bookmark1 1.1 研究背景与意义 .............