我国商业银行资本结构对融资效率的影响  

The Influence of Capital Structure of China’s Commercial Banks on Financing Efficiency

作　　者：李琼 肖欢 罗先婧 LI Qiong;XIAO Huan;LUO Xianjing(School of Economics and Management,Hubei Univ.of Tech.,Wuhan 430068,China;The 88th Regiment of the Fifth Division of Xinjiang Construction Corps,Bozhou 833500,China)

机构地区：[1]湖北工业大学经济与管理学院,湖北武汉430068 [2]新疆建设兵团五师八十八团,新疆博尔塔拉833500

出　　处：《湖北工业大学学报》2022年第3期50-54,共5页Journal of Hubei University of Technology

基　　金：教育部人文社会科学研究规划基金项目(17YJA790048)。

摘　　要：结合我国商业银行资本结构的现状,实证检验了第一大股东持股占比和附属资本占核心资本比重对商业银行融资效率的影响。通过DEA方法对融资效率进行测度,再建立固定效应模型进行回归分析,发现第一大股东持股占比对商业银行融资效率有显著负向影响,附属资本占核心资本比重对商业银行融资效率有正向影响。根据现状和结论,提出优化我国银行资本结构的建议:商业银行要控制调整股权集中度,促进股权结构更加完善;合理增加附属资本的比例,丰富筹资的途径,以达到提高商业银行融资效率的目的。Combined with the current situation of the capital structure of China’s commercial banks,this paper empirically tests the impact of the shareholding proportion of the largest shareholder and the proportion of subsidiary capital in core capital on the financing efficiency of commercial banks.Through DEA method to measure the financing efficiency,and then establishing a fixed effect model for regression analysis,it is found that the proportion of the largest shareholder has a significant negative impact on the financing efficiency of commercial banks,and the proportion of subsidiary capital in core capital has a positive impact on the financing efficiency of commercial banks.According to the current situation and conclusions,this paper puts forward some suggestions to optimize the capital structure of China’s banks:commercial banks should control and adjust the equity concentration and promote the equity structure to be more perfect;the proportion of subsidiary capital should be reasonably increased and the ways of financing should be enriched,so as to improve the financing efficiency of commercial banks.

关 键 词：商业银行 资本结构 融资效率 数据包络分析 

分 类 号：F832[经济管理—金融学] F830.33