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摘要：当今世界，各行各业的发展离不开经济的支持，金融既是经济发展的核心要素，又是可持续发展经济的有力保障。商业银行作为金融业的中介，显然已变为其成长的强大推动力。中国商业银行效率与国家金融业的成长息息相关，其一，银行经营管理高效率是金融体制演变中的必要条件，其二，银行的效率高低间接影响着国家经济是否平稳运行。对于经济转型中的中国而言，通过提高金融效率来促进经济发展更具重要意义，提高效率是银行业生存的关键，造成银行效率低下的原因是因为产权结构的不合理性，本文将基于产权的视角来研究产权结构对商业银行效率的影响。
本文一共分为五个部分，第一部分分析研究商业银行效率的理论和现实意义，总结学者对商业银行效率以及产权结构对商业银行效率影响的研究；第二部分阐明产权结构是从产权内部将产权进行分解，银行效率是成本与收益之间的比例关系这两个概念，以及产权结构对商业银行效率影响的作用机理；第三部分指明中国产权结构存在产权结构单一化、治理结构不完善、资本金不充足、激励机制效率的问题；第四部分构建模型研究产权结构对中国商业银行效率的影响并分析原因；最后一部分提出改善商业银行产权结构的建议。68992
关键词：产权结构 ；商业银行效率；问题；影响；建议
Study of property rights structure on efficiency of commercial banks
Abstract: In today's world, the development of all walks of life can not be separated from the support of the economy, finance is the core elements of economic development, but also a strong guarantee for sustainable economic development. Commercial banks as the intermediary of the financial industry, has become a powerful driving force for growth. China commercial bank efficiency and the country's financial sector are closely linked to the growth of the high efficiency of bank management is a necessary condition for the evolution of the financial system. Second, the efficiency of banks indirectly affect national economy is running smoothly. For economic transformation in China, by improving the financial efficiency to promote economic development is more important, improve the efficiency is the key to the survival of the banking industry, the cause of low efficiency because of the irrationality of the structure of property rights. In this paper, the based on the perspective of property rights to research the influences of property right structure on the efficiency of commercial banks in study.
This paper is pided into five parts, the first part is the analysis of commercial bank efficiency theory and the practical significance, the effect on the efficiency of commercial banks and property right structure on the efficiency of commercial banks of scholars; the second part of the paper, the structure of property rights is the internal property from the property will decompose, bank efficiency is the two concepts between income and cost the proportion between the mechanism and effect of ownership structure on the efficiency of commercial banks; the third part indicates the single ownership structure, imperfect governance structure, capital adequacy, efficiency of the incentive mechanism problems of China's property rights structure; the fourth part is the construction of study model of property rights structure of commercial banks China efficiency and analyze the reasons; finally a part of the commercial banks should improve the structure of property rights.
Key words: property right structure；commercial bank efficiency；problems； influence；suggestions
目 录
一．引言 1
（一）研究背景及意义