商业银行内部治理机制及其对银行绩效的影响

建立有效的银行内部治理机制不仅能完善商业银行风险控制,而且能促进其稳健经营与可持续发展,从而有利于银行绩效的改善。对山东、河南两省商业银行调查数据的实证分析说明,第1大股东的国有性质和股权集中度与银行绩效负相关,外部董事比例和监事会功能与银行绩效正相关。     

商业银行支持中小企业发展的路径研究

商业银行是社会间接融资的主体,更是支持中小企业发展的主导力量。由于商业银行缺乏支持中小企业融资的内在动力,所以融资难的现状没有得到根本解决,究其根源在于现行的存贷利差实际上是相对的恒利差体制,客观上鼓励商业银行做大放小。推进利率市场化、缩小存贷利差是促使商业银行选择中小企业作为主要客户的根本途径,是我国经济、金融体制改革的重要内容之一。     

商业银行股权结构分析

本文在世界范围内选取了392家商业银行,从所属地区和金融体系对其股权结构分析,得出的结论从股权分散与集中的角度来看与以往的相似,而从最大股东的性质来看却是公司控股占据主导地位。     

从产权理论看国有商业银行股份制改造

本文运用现代产权理论 ,从商业银行的存在意义、提供产品、经营特点等角度分析了商业银行适宜的产权结构。通过对国有产权特殊性的分析 ,指出国有商业银行目前存在的种种问题都能从产权结构缺陷中找到根源 ,并分析了我国国有商业银行的现状以及关于我国国有企业管理的最新思想。在这个基础上得出结论 :我国国有商业银行必须根据产权理论重塑产权结构 ,改变单一国家产权的现状 ,实现私人产权的进入和国有产权的退出 ,从而把国有商业银行办成真正的银行     

试论中国对跨国银行的有效监管——新修订之《外资银行管理条例》评析

本文以新近出台的《外资银行管理条例》及其实施细则为基础,分析了我国跨国银行监管法制①的现状,重点对跨国银行准入及经营的法律监管制度进行研究,并借鉴国外及国际跨国银行监管的有益规则和先进做法,为完善我国跨国银行监管法制提出若干意见。     

关于我国政策性银行立法的几点思考

政策性银行作为我国金融体制改革的产物 ,在促进金融市场健康发展、合理配置社会资源和推进国民经济稳步前进等方面发挥了重要的宏观管理职能。然而 ,我国现行政策性银行立法在其设立的法律依据、监管的法律规定以及政策性银行法律体系的完善方面均存在明显的缺陷 ,从而阻碍了我国政策性银行职能的充分发挥。为此 ,提出关于我国政策性银行立法的几点建议     

Estimating two-stage network Slacks-based inefficiency: An application to Bangladesh banking

This paper studies the performance of nineteen private commercial banks and two government-owned banks in Bangladesh during the period 2005–2008 using a slacks-based inefficiency measure and the directional technology distance function. Performance is measured assuming a black-box production structure and then the black-box is opened and examined using a two stage network production structure. Current period performance in maximizing desirable loans and securities investments and minimizing bad loans depends on how efficiently inputs at one stage of production are transformed into intermediate outputs which are used at a subsequent stage of production. In addition, current period production of the intermediate output is constrained by the amount of non-performing loans that were generated in an earlier period.     

Do performance and environmental conditions act as barriers for cross-border banking in Europe?

This paper attempts to analyse whether banking technology and environmental conditions act as barriers for the entry of foreign banks in each European banking industry. We evaluate how the efficiency score of a representative commercial bank of a given European country changes if it decides to move abroad. To carry out this analysis, we use a sample of 700 banks belonging to 11 European countries. Countries are paired and each couple is studied by using four DEA production frontiers. These frontiers allow us to measure the technological and environmental gaps between the two countries considered and, based on them, to predict the new efficiency score of the representative bank of a country that decides to operate in a different country. The results indicate, as expected, that being technologically advanced appears to be a significant deterrent to foreign competition, and that adverse environmental conditions constitute a real barrier for cross-border banking activity. Additionally, the results suggest that host-nation banking performance is a good safeguard against cross-border competition.     

陕西省民间金融现状分析与对策研究

在国家金融体制改革战略下,民间金融的开放发展与中央的文件精神保持了高度统一性,民间金融成为当前普惠金融中最受关注的金融形态。目前陕西省发展民间金融存在法制体系不健全;民间金融机构规模偏小,吸收民间资金能力不强;互联网金融政策支持不给力,监管不到位的问题,本文对陕西省民间金融现阶段的发展提出了对策建议。     

全球化背景下伊斯兰金融的实践与挑战

伊斯兰银行诞生于20世纪五十年代末。目前,全球已有近80个国家开办了伊斯兰银行及相关业务,伊斯兰金融体系已颇具规模,欧美国家也相继推出了打造全球伊斯兰金融中心的战略规划,以伊斯兰银行为主体的伊斯兰金融呈现出旺盛的生命力。与此同时,由于西方经济体系在全球经济中极具威权性,占据了全球经济发展的主导地位,伊斯兰金融体系在与西方经济体系的碰撞中,也面临着一系列挑战。因此,如何实现与异质经济系统的成功衔接就显得尤为重要。