商业银行股权结构、同业业务与经营业绩研究

Some Thoughts on Financing Difficulties and Costly Financing of Firms

近年来,我国商业银行同业业务快速发展,股权结构对银行的经营产生了较大影响。本文从持股比例和股东性质两个方面研究了股权结构对商业银行同业业务的影响,以及商业银行同业业务对经营业绩的影响。研究发现,股东具有金融同业背景的银行更易产生同业投融资冲动,而股东为民营资本的银行更倾向开展传统信贷业务,存款质量更高。在此基础上,本文从建立健全政策法规、引导民间资本参与商业银行经营决策和规范会计核算三个方面,提出了规范同业业务的建议。

In recent years, interbank business of China＇s banks has been developing rapidly, and the equity structure exerts a significant influence on the bank＇s operations. This paper analyzes how equity structure influences interbank business of a bank based on its shareholding ratio and properties of shareholders; and also studies how interbank business brings profit to a commercial bank. This study demonstrates that those banks with shareholders having interbank business experiences prefer to develop interbank financing, while those banks with private shareholders prefer to conduct traditional credit business and are able to maintain higher deposit stability. Finally this paper proposes advices for interbank business regulations and supervisions from three aspects： publishing the regulations, encouraging private and non-governmental capital to get involved in bank management and decision-makings, and imposing rigorous accounting rules.