上市银行资本结构的影响因素及其优化研究
本文首先叙述了选题的意义和目的,以及文章的研究方法和创新点。其次,对国内外研究资本结构的相关文献进行了整理与回顾。然后,本文就我国商业银行资本结构的特点和现状进行了总结,为下文对影响因素的分析做铺垫。最后依据分析结果，提出相关的优化建议以及文章研究的不足和对未来的展望。
毕业论文关键词：上市银行 资本结构 影响因素 优化调整
Study on the influence factors of the listed banks’ capital structure and the optimization
Abstract：Since the reform and opening up, the overall structure of our country’s commercial banks gradually formed. The government vigorously implement the opening up in order to strengthen the comprehensive strength of the banking sector and break through the shadow of financial crisis. At the same time, many foreign banks spring up, which make the situation more competitive. Bank itself on the role of the national economy is self-evident. Therefore, in this case, optimizing their capital structure and improving the level of management, are the fundamental ways to improve its market competitiveness and ensure the national economy stable, not only guarantee the national capital, but also do random strain and foothold firmly under the background of the global finance.
This article first introduced the significance, purpose, research methods and innovations of the selected topic. Secondly, the relevant research of the capital structure at home and abroad were reviewed and the sorting. Then, this paper summarizes the present situation of our country commercial bank capital structure, preparing for the following analysis of the influence factors. Finally according to the analysis results , the paper puts forward proposals for optimization opinions, finds the feedback and gives the version of the future.
Keywords: Listed bank; capital structure; influence factors; optimization adjustment
目录
一、绪论 1
（一）研究的意义和目的 1
（二）研究方法及创新点 2
二、国内外文献综述 2
（一）国内外银行资本结构理论基础 3
（二）国内外银行资本结构优化综述 4
三、我国上市银行资本结构现状分析 5
（一）我国上市银行资本结构的优化目标 5
（二）我国上市银行资本结构的特点及现状 5
四、银行资本结构影响因素分析 8
（一）宏观背景下的影响因素 9
（二）微观形势下的影响因素 12
五、优化银行资本结构的建议及方法 15
（一）外部控制与监管 15
（二）内部治理与创新 16
吹冰、研究的不足与展望 17
参考文献 19
一、绪论
(一)研究的意义和目的
1.研究意义
从我国加入世贸组织以来,我国银行业逐步加强了对外开放的程度，但与此同时具备完善而且优质服务的外资银行大量涌现，使得国内银行的市场份额显著减小。另外，随着当前我国利率市场化进入最后的关键阶段，带给商业银行的挑战也是非常严峻的。银行如何意识到这一紧迫性，如何抓紧研究应对措施，提升自身竞争力，实现可持续发展迫在眉睫。
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