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1、河海大學博士學位論文中國銀行業(yè)脆弱性、測度及其效率改進姓名：宋敏申請學位級別：博士專業(yè)：技術經濟及管理指導教師：許長新20060101博士論文中國銀行業(yè)脆弱性、測度及其效率改進AbstractFinancialfiagilit)，isanobViousfeatureofthebam(ingTheoperationofthebanksissupportedbythehighlyIeVereddebtfinancingandthishigh

2、debtrateisthefUndamentalreasonofthebankfragilityInaword，fiagilityisthenatureofthebankinganditisconfirmedinthebankingcrisisofVariousdeVelopingcountriesThisdissertation6rstreViewstheliteratureonbankingfagil“yfrommacro，medi

3、umandmicroVisualanglesTheanalysisshowsthatthenatureofthebankingdeterminesitsinternalfragility，theubiquityoftheinfomationasymmetryandtheuncertaintyexacerbatethecontinuouslyaccumulationofthefragilityDuringtheprocessofthein

4、stitutionalchanges，nnancialliberalization，oVe卜interVentionofthegoVernmentandthespeci：EiceconomicinstitutionalbackgroundofthetransitionphasemayallincreasethefagilityofthebankingThedissertationstudiestheevolutionmechanismf

5、rombankingfragilitytofinancialcrisesandmeasuresthedirectcostsandtheindirectcostsofthebankingfragilityThisdissertationanalyzesthespecincformingmechanismoftheChinesebankingfagilityftommacro，mediumandmicroIeVelsThemicromech

6、anismistheunitarypublicpropertyrightandtheunsubstantialinternaI。controllingsystemThemediummechanismisthespeci日cbank—companyrelationship，soRbudgetconstraint，monopolisticmarketstructureandtheimperfectfinancialsuperVisionsy

7、stemThemacromechanismmainlyincludesthebackgroundofentryintoWTO，unsoundcreditsystemandtheinterVentionofthegovernmentBasedontheaboveanalysisasetoffragilitymeasurementindicatorsystemisestablishedThenapositiveanalysisontheCh

8、inesebankingfragilitymeasurementislnadeanditisshownthatfromyear1993to2004thefragility1evelofourbankingkeepsrightaroundthecriticalpointandthusassociatedmeasuresshouldbetakentostabilizeand10werthefiagilityleVelThenitisshow

9、nthatthemacrolevelfactorinfluencesthenagilitylnost，thenthelnediumandthelnicrotheleastSincethestock—holdingreforminthemicroleVelhasalmostbeenfinished，jtisa唱uedthatemphasisofthee任ciencyimproVementoftheChinesebankingfragili

10、tyshouldbeputontheinstitutionalestablishmentofthemediumleVelThreeaspectsofimprovingwaysareproposed：1EstablshthecolnpetitiVemarketstructureofthecommercialbanksofourcountryModelsofthebankingmarketsystemandfragilityshowthat

11、thefragilitywillnotbeincreaSedandthesocialwelfarecanbeimproVed2Establishandperfectthebankingsupervisionsystemwiththecoreofriskassessmentandcontr01FurtherimproVetheriskeValuationsystelllandhighlighttheassessmentoftheselfr

12、iskmanagelnentsystemofthebankstoimproVetherisk—basedsupervisionsystem3Establishtheexplicitdepositinsurancesystemthato仃色rsasafetynetforthefinanciaIsystemtoincreasethesuperVisionemciency，improVethequalityofthebankingassets

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