摘 要:历经20世纪90年代的企业化经营后,股份制改革及上市成为21世纪初我国银行业的一个重要改革方向。这种改革，目的是要在我国银行业建立现代公司治理制度，并降低银行业的微观与系统风险。同时，银行业股份制改革及上市，也是我国经济体制改革的重要内容，是我国经济走向全球化、融入世界经济与金融一体化的重要举措。

　　　伴随着中国农业银行股份制改革及上市的成功，上市银行已经成为我国银行业的主体。以1991年深圳发展银行的上市算起，我国银行业上市已经有20多年。所以，无论从上市银行数量而言，还是上市的时间而言，现在都是一个非常好的回顾时机。商业银行上市是否实现了我国金融监管当局的政策意图？如果这种政策意图得以实现，那么上市商业银行的业绩一定能有所变化。基于这种考虑，本文在“干中学”的理论框架与模型下对我国上市银行业的经营业绩进行实证分析。

　　　本文第一部分，交待写作背景、意义、国内外文献概述以及写作框架；第二部分简要介绍“干中学”理论模型；第三部分是对我国上市商业银行的简要概述；第四部分则在“干中学”的理论框架下检验我国的上市商业银行的经营业绩；第五部分，是本文的结论、不足及展望。本文的主要结论是，“干中学”理论在我国上市商业银行并不一致成立。

关键词：“干中学”；商业银行；经营业绩；上市银行；中国

Abstract:After the enterprises management in the 1990s, joint-stock reform and listed as an important reform of the banking industry in China in the 21st century. This kind of reform, the purpose is to establish the modern corporate governance system in our country banking industry, reduce the micro and systemic risk of banking industry. At the same time, the banking industry joint-stock reform and listing, also is the important content of China's economic system reform, is the important measures which China's economy going global and adjust to the world economic and financial integration.

　　　Along with the agriculture bank of China joint stock reform and successful listed, the listed Banks has become the main body of China's banking. Since 1991, the market of the shenzhen development bank, have been listed in China's banking industry more than 20 years. So, no matter from the listed Banks in terms of number, or listed in terms of time, now is a very good review time. Whether listed commercial Banks implement the China's financial regulatory policy intentions? If can realize the policy intention, and then listed the performance of commercial Banks must be able to change. Based on this consideration, this article is under the learning-by-doing theoretical framework and model of the empirical analysis on the operating performance of listed Banks in China.

　　　The first part of this article, hand over to treat writing background, significance, domestic and foreign literature overview and framework; The second part briefly introduces the theory of learning-by-dong model; The third part is a brief overview of the listed commercial Banks in China; The fourth part is in the framework of learning-by-doing, the inspection of operating performance of listed commercial Banks in China; The fifth part is the conclusion of this paper, the deficiencies and prospects. The main conclusion is that the theory of learning-by-doing was established in listed commercial Banks in China are not consistent.

Keywords: Learning-by-doing; commercial bank; operating performance; listed bank; China