竞争对商业银行的影响.docxVIP

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 PAGE 精心整理 仅供参考 勿用作商业用途 经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 摘 要 经济全球化是不可逆转的趋势，这意味着世界各个国家的经济联系越来越紧密，同时也意味着各行各业的竞争越来越大。在这种情况下，中国各商业银行将无法避免竞争外资银行进入中国带来的压力。另一方面，中国中小银行如雨后春笋般涌现，国内的竞争力也因此增强。在竞争逐渐增大的情况下，研究商业银行的效率问题，研究竞争对商业银行效率的影响具有重要的实际意义。 本文将对17家中国商业银行2005~2017年的数据样本进行实证分析。采用结构化赫芬达尔—赫希曼指数(HHI)进行竞争度的分析，以HHI表示竞争度。HHI值越大表示市场集中度越高，垄断程度越高；采用非参数方法超效率DEA超效率模型进行效率分析，以纯技术效率（PTE）、技术效率（TE）和规模效率（SE）表示效率程度。通过相关关系和回归方法拟合得到两者的关系，即得到竞争对商业银行效率的影响。 本文的结论是：（1）竞争对商业银行技术效率（TE）和纯技术效率（PTE）产生显著影响，竞争程度越低，效率越高。竞争对规模效率（SE）的影响不显著。（2）资本规模，ROA、存贷比均对商业银行效率有显著积极影响，COA对效率有显著负向影响。 关键词：竞争，效率，商业银行，HHI指数，超效率DEA 经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考  ABSTRACT Economic globalization is an irreversible trend, which means that the economic ties among various countries in the world are increasingly close, and at the same time, it also means that the competition in all walks of life is increasing. Under such circumstances, Chinese commercial Banks will not be able to avoid the pressure brought by competition for foreign Banks to enter China. On the other hand, Chinas small and medium-sized Banks are springing up like mushrooms, thus enhancing domestic competitiveness. In the case of increasing competition, it is of great practical significance to study the efficiency of commercial Banks and the impact of competition on the efficiency of commercial Banks. This paper will conduct an empirical analysis on the data samples of 17 Chinese commercial Banks from 2005 to 2017.HHI was used to analyze the degree of competition. The higher the HHI value, the higher the market concentration and the higher the monopoly degree. Non-parametric super-efficiency DEA super-efficiency model was adopted for efficiency analysis, and pure technical efficiency (PTE), technical efficiency (TE) and scale efficiency (SE) were used to represent the efficiency degree. The relationship between them is obtained by fitting correlation and regression method, that is, the influence