中国商业银行市场结构、产权结构与绩效研究

Study on Market Structure,Property Right Structure and Performance of Chinese Commercial Banks

基于2007—2015年中国商业银行财务数据,分别利用多元回归与分位数回归方法分析市场结构与产权结构对中国商业银行经营绩效的影响。实证结果表明:在控制银行企业资本流动性、风险以及成本效率等变量的情况下,市场垄断程度与经营绩效之间存在显著的负向关系;在产权结构方面,城市商业银行的组织结构较优,但并不显著。为推进中国金融市场与实体经济的协调发展,中国商业银行的市场化及规范化程度亟待提高,商业银行结构需要进一步深化。

Based on the database of Chinese commercial banks from 2007 to 2015, it is analyzed by multiple regression and fractional regression respectively about the impact of market structure and property structure on the business performance of Chinese commercial banks. The empirical results show that there is a significant negative relationship between market monopoly degree and business performance under the control of variables such as capital liquidity, risk and cost efficiency. In terms of property right structure, the organizational structure of urban commercial banks is superior, but not significant. In order to promote the coordinated development of China＇s financial market and real economy, the marketization and standardization of Cbina＇s commercial banks need to be improved urgently, and the structure of commercial banks needs to be further deepened.