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商业银行是经营货币这种特殊商品的企业,并且商业银行的这种经营活动是以社会信用为原则而开展的。于是,资本就成了商业银行经营的基础。作为衡量资本状况之一的资本构成具有重要的作用,决定着商业银行应对财务和经营风险的能力,进一步影响到商业银行的整体价值。因此,研究上市商业银行资金融通及其效率对于提高商业银行融资决策的科学性、优化商业银行资本结构、进而提高商业银行的综合竞争力及维持国内金融秩序稳定等具有重要的理论和现实意义。
Commercial banks are companies that specialize in the business of currency, and such commercial activities by commercial banks are based on the principle of social credit. As a result, capital has become the basis of commercial banks. As a measure of the capital status of one of the capital structure has an important role in determining the ability of commercial banks to deal with financial and operational risks, further affecting the overall value of commercial banks. Therefore, studying the financial facilities and efficiency of listed commercial banks is of great theoretical and practical significance for improving the scientific decision-making of commercial banks, optimizing the capital structure of commercial banks, further improving the comprehensive competitiveness of commercial banks and maintaining the stability of domestic financial order.