摘要根据30家城市商业银行（以下简称“城商行”）2012-2014年度报告的财务数据，从股 权集中度、股权制衡度、股权性质等方面对城商行的股权结构进行了描述，考察了城商行 的绩效与股权结构的关联关系，本文从城商行提高经营绩效、完善公司治理机制等出发点 提出了相关建议。通过研究发现，城商行经营绩效的好坏与其最大股东持股比例的高低呈 现出明显的负相关关系，而与其前十大股东持股比例的高低呈现出明显的正相关关系，同 时正相关的还有最大股东性质是否为社会法人股、政府持股比例的多少，另外境外战略投 资者的存在有利于提高城商行的经营绩效。由此可见，城商行应当选择相对集中、相互制 衡的股权结构，同时应正确看待地方政府的持股比例，股权结构应多元化。78616

毕业论文关键词 城市商业银行 股权结构 经营绩效 战略投资者 地方政府

Title An empirical study on the ownership structure and performance of China's urban commercial banks

Abstract Using the annual report financial data of 30 City Commercial Bank in 2014, from the equity concentration degree, stock checks and balances, the nature of the equity level, to describe the bank ownership structure, we investigates the relationship between ownership structure and bank performance of city commercial banks, in order to improve the operating performance of China's city commercial banks of ownership structure, improve the corporate governance mechanism and put forward relevant suggestions。 Through the study we found that  the operating performance of the first largest shareholder shareholding ratio and city commercial bank is a significant negative correlation, the top ten shareholders holding and operating performance is significantly positive correlation, the nature of the largest shareholder for the legal person shares and business performance is positive correlation, the presence of foreign strategic investors helps improve the operating performance of city commercial banks。 China's city commercial banks should choose the relative concentration, mutual checks and balances of ownership structure and persified equity structure and establish the correct view of the proportion of local government ownership。

Keywords city commercial banksownership structurebank performancelocal government

目 次

1 引言 1

1。1 研究背景 1

1。2 研究方法与创新点 1

2 文献综述 3

3 股权结构与经营绩效的理论分析 6

3。1 股权结构相关理论 6

3。2 绩效评价理论 6

3。3 股权结构与经营绩效的关系 7

4 研究设计 8

4。1 研究假设 8

4。2 样本选取与数据来源 9

4。3 变量设计 9

4。4 变量边界界定 11

5 实证结果 12

5。1 描述性统计 12

5。2 不同股权结构下的 ROE 基本统计特征 12

5。3 多元回归结果分析 13

5。3。1 股权集中度、股权制衡度对经营绩效的影响 13