基于韩国经验分析银行业竞争度、贷款成本与企业绩效
发布时间：2018-08-19 18:45
【摘要】：在经济快速增长的今天，企业为弥补自身资金不足，往往通过融资等方式获取资金，抓住发展机会，以较小的成本谋求更大的利益空间和更加稳健的运营。虽然金融体系不断深化发展，融资手段日益丰富，但通过银行贷款仍然是企业融资的重要手段。本文通过引入博弈等理论分析，以及分别对韩国中小企业和大型企业数据进行实证分析，从贷款成本的角度分析银行业竞争度对企业绩效的影响。通过理论和实证的综合分析，认为银行业竞争度下降会提高企业贷款成本，而企业贷款成本上升，又会使得企业融资能力下降，增加企业运营成本，导致企业绩效下降 本文分为五部分，具体如下： 第1章导论主要为选题背景与意义和文献综述，同时概述本文结构、研究方法和创新与不足。从韩国在1997年东南亚金融危机后银行业竞争度的变化出发，讨论其与贷款成本和企业绩效之间的关系，并提出对中国金融业发展有一定的借鉴意义。文献综述从探讨银行业竞争度的衡量方法出发，对当前主流的银行资源配置理论、企业融资理论和公司绩效理论进行梳理分析，总结了已有文献对本文探讨问题的实证分析。 第2章是基本观点和研究假设。从企业融资类型和特征出发，，分别论述银行业竞争度变化对中小型企业融资成本和大型企业融资成本的影响，并讨论了融资成本对企业绩效的影响，为后文的实证分析奠定了理论基础。 第3章分别通过理论分析和实证分析讨论银行业竞争度与贷款成本之间的关系，并得出结论，认为银行业竞争度与贷款成本之前有明显的负相关。 第4章分别针对大型企业和中小型企业对企业贷款成本和企业绩效之间的关系进行实证分析，并得出企业贷款成本与企业绩效之间呈负相关。 第5章为结论和建议部分。结论部分结合上文分析指出银行业竞争度与企业绩效之间呈正相关，认为提高银行业竞争度，会对企业绩效产生正向影响。在结论部分认为中国贷款融资现状与韩国有一定的相似性，因此针对本文的分析和结论提出对中国银行业发展的建议。
[Abstract]:Nowadays, in order to make up for the shortage of their own funds, enterprises often obtain funds by means of financing, seize the development opportunities, and seek greater benefit space and more stable operation with smaller cost. Although the financial system is deepening and financing means are becoming more and more abundant, bank loans are still an important means of enterprise financing. Through the introduction of game theory, and the empirical analysis on the data of small and medium-sized enterprises and large enterprises in Korea, this paper analyzes the impact of banking competition on enterprise performance from the perspective of loan cost. Through the comprehensive analysis of theory and demonstration, it is concluded that the decrease of banking competition will increase the cost of enterprise loan, and the increase of cost of enterprise loan will lead to the decrease of enterprise financing ability and the increase of enterprise operating cost. This paper is divided into five parts as follows: the first chapter introduces the background and significance of the topic and literature review, at the same time summarizes the structure of this paper, research methods, innovation and deficiencies. Based on the changes of banking competition in South Korea after the financial crisis in Southeast Asia in 1997, this paper discusses the relationship between bank competition and loan cost and enterprise performance, and points out that it has some reference significance for the development of Chinese financial industry. From the point of view of the measurement of banking competition, this paper analyzes the current mainstream theories of bank resource allocation, enterprise financing and corporate performance, and summarizes the empirical analysis of the problems discussed in this paper. The second chapter is the basic point of view and research hypothesis. Based on the types and characteristics of enterprise financing, this paper discusses the influence of the change of banking competition on the financing cost of small and medium-sized enterprises and the financing cost of large enterprises, and discusses the influence of financing cost on enterprise performance. It lays a theoretical foundation for the later empirical analysis. Chapter 3 discusses the relationship between banking competition and loan cost through theoretical analysis and empirical analysis, and concludes that there is a significant negative correlation between banking competition and loan cost. In chapter 4, the relationship between loan cost and enterprise performance is analyzed, and the negative correlation between loan cost and enterprise performance is obtained. Chapter 5 is the conclusions and recommendations. The conclusion points out that there is a positive correlation between the degree of banking competition and the performance of the enterprise, and it is believed that the improvement of the degree of competition in the banking industry will have a positive impact on the performance of the enterprise. In the conclusion part, the author points out that the present situation of China's loan financing is similar to that of Korea, so it puts forward some suggestions for the development of China's banking industry in the light of the analysis and conclusion of this paper.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F275
本文编号：2192499
[Abstract]:Nowadays, in order to make up for the shortage of their own funds, enterprises often obtain funds by means of financing, seize the development opportunities, and seek greater benefit space and more stable operation with smaller cost. Although the financial system is deepening and financing means are becoming more and more abundant, bank loans are still an important means of enterprise financing. Through the introduction of game theory, and the empirical analysis on the data of small and medium-sized enterprises and large enterprises in Korea, this paper analyzes the impact of banking competition on enterprise performance from the perspective of loan cost. Through the comprehensive analysis of theory and demonstration, it is concluded that the decrease of banking competition will increase the cost of enterprise loan, and the increase of cost of enterprise loan will lead to the decrease of enterprise financing ability and the increase of enterprise operating cost. This paper is divided into five parts as follows: the first chapter introduces the background and significance of the topic and literature review, at the same time summarizes the structure of this paper, research methods, innovation and deficiencies. Based on the changes of banking competition in South Korea after the financial crisis in Southeast Asia in 1997, this paper discusses the relationship between bank competition and loan cost and enterprise performance, and points out that it has some reference significance for the development of Chinese financial industry. From the point of view of the measurement of banking competition, this paper analyzes the current mainstream theories of bank resource allocation, enterprise financing and corporate performance, and summarizes the empirical analysis of the problems discussed in this paper. The second chapter is the basic point of view and research hypothesis. Based on the types and characteristics of enterprise financing, this paper discusses the influence of the change of banking competition on the financing cost of small and medium-sized enterprises and the financing cost of large enterprises, and discusses the influence of financing cost on enterprise performance. It lays a theoretical foundation for the later empirical analysis. Chapter 3 discusses the relationship between banking competition and loan cost through theoretical analysis and empirical analysis, and concludes that there is a significant negative correlation between banking competition and loan cost. In chapter 4, the relationship between loan cost and enterprise performance is analyzed, and the negative correlation between loan cost and enterprise performance is obtained. Chapter 5 is the conclusions and recommendations. The conclusion points out that there is a positive correlation between the degree of banking competition and the performance of the enterprise, and it is believed that the improvement of the degree of competition in the banking industry will have a positive impact on the performance of the enterprise. In the conclusion part, the author points out that the present situation of China's loan financing is similar to that of Korea, so it puts forward some suggestions for the development of China's banking industry in the light of the analysis and conclusion of this paper.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F275
【参考文献】
相关期刊论文 前10条
1 王忠;我国企业绩效评价指标体系构成研究[J];北京工商大学学报(社会科学版);2005年04期
2 陈坚;;韩国银行开展中小企业信贷业务的实践及其借鉴意义[J];金融论坛;2006年05期
3 黄隽;;韩国银行业市场竞争度的实证分析[J];东北亚论坛;2007年03期
4 张瑞强;薛永刚;;信息不对称下融资方式与投资效率的关系探讨[J];山西经济管理干部学院学报;2007年02期
5 王向楠;张立明;;企业社会资本与企业绩效关系的元分析[J];西部论坛;2012年05期
6 黄强;陈汉辉;;企业社会资本与企业绩效关系实证研究[J];常州工学院学报;2012年04期
7 胡学君;;借鉴韩国经验 改进农行对小企业客户贷款评审机制[J];湖北农村金融研究;2009年01期
8 吴苌弘;;国际金融危机之后的日、韩金融体制改革[J];上海经济研究;2010年12期
9 丁士军,朱丽芳;韩国政府对中小企业的管理与扶持[J];世界经济研究;2000年03期
10 黄隽;白冰心;;银行业的市场竞争度:基于韩国、中国内地和中国台湾的比较分析[J];经济理论与经济管理;2007年04期
本文编号：2192499
本文链接：https://www.wllwen.com/jingjilunwen/touziyanjiulunwen/2192499.html
