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1、重庆大学硕士学位论文英文摘要ABSTRACTCommercialbankshavebeensupervisedinamoreandmorerigidwaysincethefinancialcrisiscausedbysubprimelendingin2008.Constantlyimprovedcapitaladequacyrequirementsinducesfewerandfewerloanabelfundsforcommercialbanks.ForeignbanksgotlocalmarketaccessafterChinajoinedtheWTOin2001,pos
2、inggreatthreattothelocalpeers.Reccentyears,Chinesegovernmentislaunchingitsplanofinterestliberalization,inparticular,,theauthorityhascompletelyderegulatedtheloaninterestratelastyear.Ontheotherhand,themoreperfectthemarketis,thefewerrolethebankscanplay.Becausethefundraisercandirectlyraisethefun
3、dneededthroughcapitalmarket,ratherthanthroughthebanklending,severelysqueezingthemarginofcommercialbanks.Allofthesemakecommercialbankleadingaharderwaythaneverbefore.Shiftingthewaytooperatebecomesthetoppriorityforbankswhowanttosurvive,sotheintermediarybusinessiscomingtooureyes.HoweverChineseba
4、nkingindustrymainlyrelyontraditionalwaytogainingprofit,Soastotheintermediarybusiness,alotofproblemsexist..Howtodeveloptheoff-balancesheetbusinessisthehighlightforindustrialleadersinthenextdecade.ThispaperfocusesontheefficiencyoftheintermediarybusinessofChinesebanks.WeuestheDEA,Malmquistappro
5、chandTobitmodeltoanalysethesituation,tryingtofindouthowthebanksperformedtheirintermediarybusinessandthefactorwhichhasimpactontheefficiency.ThesoftwaresusedinthisstudyareDEAP2.1andEviewstoassistouranalysis.Thelogicframeofthisstudyislikethis:Firstlyexplainssomerelatedconceptionsoftheintermedia
6、rybusiness,andlooksbackrelatedresearchaboutbankefficiencyandtheoff-balancesheetbusiness.Recfifyingtheempiricalstudybefore,wecollecteddatafrom23commercialbankduringtheyearof2007to2012,calculatingtheefficiencyoftheintermediarybusinessandfindtheinfluencingfactorsfrommicroperspective.Fin
7、ally,basedontheresearchdescribedbefore,wecometotheconclusionandproposesomesuggestionsbothpoliticallyandpractically.Keywords:Intermediarybusiness,Efficiency,DEA,Malmquist,TobitII重庆大学硕士学位论文目录目录中文摘要....................................................