中国银行业脆弱性、测度及其效率改进

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1、河海大学博士学位论文中国银行业脆弱性、测度及其效率改进姓名：宋敏申请学位级别：博士专业：技术经济及管理指导教师：许长新20060101博士论文中国银行业脆弱性、测度及其效率改进AbstractFinancialfiagilit)，isanobViousfeatureofthebam(ing．TheoperationofthebanksissupportedbythehighlyIeVereddebtfinancingandthishighdebtrateisthefUndamentalreasonofthebankfragility．Inaword，fiagilityi

2、sthenatureofthebankinganditisconfirmedinthebankingcrisisofVariousdeVelopingcountries．Thisdissertation6rstreViewstheliteratureonbankingf}agil“yfrommacro，mediumandmicroVisualangles．Theanalysisshowsthatthenatureofthebankingdeterminesitsinternalfragility，theubiquityoftheinfomationasymmetryan

3、dtheuncertaintyexacerbatethecontinuouslyaccumulationofthefragility．Duringtheprocessoftheinstitutionalchanges，nnancialliberalization，oVe卜interVentionofthegoVernmentandthespeci：Eiceconomicinstitutionalbackgroundofthetransitionphasemayallincreasethef}agilityofthebanking．Thedissertationstudi

4、estheevolutionmechanismfrombankingfragilitytofinancialcrisesandmeasuresthedirectcostsandtheindirectcostsofthebankingfragility．ThisdissertationanalyzesthespecincformingmechanismoftheChinesebankingf}agilityftommacro，mediumandmicroIeVels．Themicromechanismistheunitarypublicpropertyrightandth

5、eunsubstantialinternaI。controllingsystem．Themediummechanismisthespeci日cbank—companyrelationship，soRbudgetconstraint，monopolisticmarketstructureandtheimperfectfinancialsuperVisionsystem．ThemacromechanismmainlyincludesthebackgroundofentryintoWTO，unsoundcreditsystemandtheinterVentionofthego

6、vernment．Basedontheaboveanalysisasetoffragilitymeasurementindicatorsystemisestablished．ThenapositiveanalysisontheChinesebankingfragilitymeasurementislnadeanditisshownthatfromyear1993to2004thefragility1evelofourbankingkeepsrightaroundthecriticalpointandthusassociatedmeasuresshouldbetakent

7、ostabilizeand10werthefiagilityleVel．Thenitisshownthatthemacrolevelfactorinfluencesthen．agilitylnost，thenthelnediumandthelnicrotheleast．Sincethestock—holdingreforminthemicroleVelhasalmostbeenfinished，jtisa唱uedthatemphasisofthee任ciencyimproVementoftheChinesebankingfragility