CAJ | 학술논문

城市商业银行的股权集中度与银行绩效有着密切的联系。本文通过选取A股上市的三家城商行数据,就其股权集中度与银行绩效之间的关系做了实证分析。结果发现,城市商业银行的股权集中度与银行绩效之间存在着＂U＂型关系,第一大股东的持股比例、前五大股东的持股比例与银行绩效负相关,前十大股东的持股比例与银行绩效正相关;城市商业银行的控制层级对银行绩效有正向影响,资产负债率对银行绩效有负向影响;城市商业银行第一大股东的身份和城商行规模与其绩效并无显著关系。
성시상업은행적고권집중도여은행적효유착밀절적련계。본문통과선취A고상시적삼가성상행수거,취기고권집중도여은행적효지간적관계주료실증분석。결과발현,성시상업은행적고권집중도여은행적효지간존재착＂U＂형관계,제일대고동적지고비례、전오대고동적지고비례여은행적효부상관,전십대고동적지고비례여은행적효정상관;성시상업은행적공제층급대은행적효유정향영향,자산부채솔대은행적효유부향영향;성시상업은행제일대고동적신빈화성상행규모여기적효병무현저관계。
City commercial banks" stock concentration has close relationship with per- formance. In this paper, through selecting three city commercial banks" data in A--shares, we make an empirical analysis to explore the relationship between the ownership concentration and performance. The results showed that there exists a "U" type relationship betweenthe City commercial banks" ownership concentration and their performance. The ratio of top 5 share- holders and bank performance have a negative correlation, the proportion of top 10 share- holders and performance have a positive correlation; City commercial banks" control level have a positive impact on their performance; the ratio of asset-liability have a negative cor- relation with performance ; there is no significant relationship between thelargest sharehold- er's identity , scale and City commercial banks" performance.