【作者】 郑一萍；

【导师】 林擎国；

【作者基本信息】 厦门大学 ， 国民经济学， 2006， 博士

【摘要】 本文从可持续发展理论及其在经济金融领域的延伸即金融可持续发展开始,通过对其理论核心即金融资源论展开探讨,及对国外成功的政策性银行案例深入分析,提出政策性银行可持续发展的经验借鉴。在运用多种测度银行效率水平的方法对国内政策性银行和商业性银行的经营效率进行实证分析后,提出我国政策性银行可持续发展的战略思路和对策。根据研究内容的安排,全文共分为七部分:第一章系统梳理了国内外有关金融资源论、金融可持续发展理论和政策银行有关的研究成果,确定本文的研究思路与内容框架。第二章分析金融可持续发展的一般理论和核心理论,重点讨论金融资源的有效配置,分别从博弈规则以及金融资源按货币资源、资本资源、制度资源和商品资源四个层次分析其配置效率。第三章在金融资源有效配置的基础上,对比了商业性金融和政策性金融的区别,阐述政策性金融本质特征及设立政策性金融机构的必要性,并提出政策性金融及政策性银行的可持续发展要求。第四章分别讨论国外可持续发展和不可持续发展的政策性金融机构案例,着重对国外四个可持续发展政策性银行的经营类型和发展路径进行归纳,以供国内借鉴。第五章比较国内政策性银行现状并运用净值收益率ROE分析方法实证分析经营效率情况,指出目前我国政策性银行存在的问题。第六章以规模效率、范围效率和X效率三种测度银行效率水平的方法对国内政策性银行和14家商业性银行的经营效率进行实证分析后,提出我国政策性银行可持续发展的战略思路和对策。第七章对全文进行总结,提出进一步研究工作的展望。本文主要在以下几方面做了一些具有创新性的探索研究:第一,从金融资源的角度讨论政策性银行的可持续发展问题,选题和研究角度比较独特。第二,金融资源以博弈规则及按货币资源、资本资源、制度资源和商品资源四个层次分析其配置效率。第三,以规模效率、范围效率和X效率三种测度银行效率水平的方法对政策性银行和14家商业银行的经营效率进行实证分析。第四,以净值收益率ROE分析方法对国内政策性银行的经营效率进行实证分析。更多还原

【Abstract】 This thesis based on the theory of sustainable development and financial sustainable development theory, which is the extension of the theory in the economic and financial fields. Through studying the essential part of this theory, i.e. financial resources and analyzing cases of successful foreign policy banks in detail, the author presents the proposal for the sustainable development of policy banks. Meanwhile, by using several bank-efficiency testing method, the author also analyses the operation efficiency of domestic policy banks and commercial banks, and presents some opinion and strategy about the sustainable development of policy banks.The paper contains following seven parts:The first chapter reviews the research results of financial resources theory, financial sustainable development theory and policy banks theory, constructs the study ideas and framework of this paper.Chapter 2 analyzes the general part and essential part of the financial sustainable development theory, focuses on the effective allocation of financial resources. It also analyzes the allocation efficiency from two different perspectives: 1, the rule of game theory 2, four levels of financial resources --monetary resources, capital resources, system resources and commodity resources.Based on the effective allocation of financial resources, the author compares commercial finance and policy- oriented finance in Chapter 3 and explains the basic character of policy-oriented finance and the necessity of establishment. This Chapter also presents the demands of sustainable development to policy- oriented finance and policy banks.In order to supply useful reference to China, in chapter IV, the author discusses cases of sustainable development and non-sustainable development of policy-oriented finance at home and abroad, focusing on summing up the operating style and development route of four foreign policy banks which is guided by sustainable development theory.Comparing the situation of policy banks in China, the author uses ROE in chapter V to analyze the operating efficiency empirically, points out the problems of policy banks in China.In Chapter XI, the author uses scale efficiency, scope efficiency and X-efficiencyto measure the operating efficiency of domestic policy banks and 14 commercial banks, brings forward some opinion and strategy about the sustainable development of policy banks.Chapter VII is the conclusion of this paper, it also contain the prospects for further research.This paper made some innovative exploration and study in the following aspects:1. Studying the sustainable development problem of policy banks with financial resources, which is a unique perspective;2. Analyzing effective allocation of financial resources from two different points: the rule of game theory and four levels of financial resources: monetary resources, capital resources, system resources and commodity resources.3. Analyzing the operating efficiency of domestic policy banks and 14 commercial banks though scale efficiency method, scope efficiency method and X-efficiency method.4. Using ROE to analyze the operating efficiency of policy banks empirically.更多还原