本文關(guān)鍵詞：金融脫媒的深化對(duì)我國商業(yè)銀行的盈利影響分析　出處：《哈爾濱商業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 金融脫媒 資本市場(chǎng) 存款期限結(jié)構(gòu) 存款來源結(jié)構(gòu)

【摘要】：隨著國際國內(nèi)經(jīng)濟(jì)形勢(shì)的發(fā)展和金融改革的不斷推進(jìn),我國的金融市場(chǎng)上出現(xiàn)了金融脫媒也就是直接融資占融資總量的比重逐漸上升的現(xiàn)象,資金繞開銀行等中介系統(tǒng)直接在資金需求方和供給方之間配置。資本市場(chǎng)(尤其是證券市場(chǎng))融資能力迅速增長,削弱了銀行等存款機(jī)構(gòu)吸收存款的能力；同時(shí),直接融資市場(chǎng)的興起給企業(yè)帶來更多獲得資金的渠道,傳統(tǒng)意義上的銀行中介作用被弱化。 金融脫媒引起了國內(nèi)金融市場(chǎng)環(huán)境的變化,持續(xù)負(fù)利率環(huán)境促使儲(chǔ)蓄資金脫離銀行系統(tǒng),信貸調(diào)控的趨緊也刺激了企業(yè)直接融資需求,同時(shí)影子銀行的出現(xiàn)一定程度上對(duì)銀行的資產(chǎn)結(jié)構(gòu)造成影響。這種現(xiàn)象通過商業(yè)銀行的內(nèi)部制度、風(fēng)險(xiǎn)管理、和公司治理結(jié)構(gòu)等層面對(duì)一直以存貸利差為主要盈利來源的銀行盈利狀況造成影響。首先,進(jìn)一步動(dòng)搖商業(yè)銀行資金運(yùn)作的穩(wěn)定性；其次,提高了對(duì)商業(yè)銀行業(yè)務(wù)創(chuàng)新能力的要求；同時(shí),地方債的試點(diǎn)促使商業(yè)銀行完善現(xiàn)有信貸格局。這些新的狀況使得商業(yè)銀行的表內(nèi)業(yè)務(wù)發(fā)生結(jié)構(gòu)和數(shù)量上變化,從而影響到商業(yè)銀行的盈利能力。 由于商業(yè)銀行的盈利來源主要是表內(nèi)業(yè)務(wù)和表外業(yè)務(wù),并且目前絕大部分的利潤仍然來自存貸利差收入,所以在分析金融脫媒對(duì)我國商業(yè)銀行盈利的影響時(shí),重點(diǎn)驗(yàn)證了金融脫媒對(duì)商業(yè)銀行表內(nèi)業(yè)務(wù)的影響,即對(duì)商業(yè)銀行資產(chǎn)和負(fù)債業(yè)務(wù)的影響。在負(fù)債業(yè)務(wù)中主要針對(duì)存款來源結(jié)構(gòu)和存款期限結(jié)構(gòu)的影響進(jìn)行分析,而針對(duì)資產(chǎn)業(yè)務(wù),主要是貸款的分析中,由于貸款可能受到宏觀調(diào)控信貸政策的影響,在收集到的數(shù)據(jù)中并未得出明顯效果,但是從貸款結(jié)構(gòu)上來看,金融脫媒已經(jīng)逐步改變了企業(yè)的融資結(jié)構(gòu)。通過這些方面的分析得出對(duì)商業(yè)銀行盈利能力的影響。最后在“金融脫媒深化”的大背景下,分三個(gè)方面提出我國商業(yè)銀行的應(yīng)對(duì)策略以及如何完善目前的盈利模式：第一,加大金融創(chuàng)新力度、推進(jìn)綜合化經(jīng)營；第二,轉(zhuǎn)換業(yè)務(wù)經(jīng)營模式、調(diào)整客戶結(jié)構(gòu)；第三適應(yīng)利率市場(chǎng)化改革、建立健全利率定價(jià)機(jī)制。 隨著利率市場(chǎng)化的進(jìn)一步推進(jìn),商業(yè)銀行的競(jìng)爭(zhēng)日益激烈,融資渠道的多元化以及融資工具的不斷增多,都對(duì)商業(yè)銀行的盈利模式帶來了挑戰(zhàn),適時(shí)調(diào)整發(fā)展方式,迎合市場(chǎng)的不斷變化,是商業(yè)銀行業(yè)務(wù)經(jīng)營更加持續(xù)、穩(wěn)定的重要保障。
[Abstract]:With the development of international and domestic economic situation and the continuous promotion of financial reform, the phenomenon of financial disintermediation, that is, the proportion of direct financing to the total amount of financing, is gradually rising in the financial market of our country. The capital bypassing the intermediary system such as the bank is allocated directly between the demand side and the supply side. The rapid growth of the capital market (especially the securities market) weakens the ability of depository institutions such as banks to absorb deposits; At the same time, the rise of direct financing market has brought more channels for enterprises to obtain funds, and the traditional bank intermediary role has been weakened. Financial disintermediation has caused changes in the domestic financial market environment, the persistent negative interest rate environment has prompted savings funds to leave the banking system, and the tightening of credit regulation has stimulated the direct financing needs of enterprises. At the same time, the emergence of shadow banking to some extent has an impact on the asset structure of banks. This phenomenon through the internal system of commercial banks, risk management. And corporate governance structure and other aspects of the bank has been the main source of profit with deposit and loan as the main source of profitability. First, further destabilize the stability of commercial banks' capital operation; Secondly, it raises the requirement of the commercial bank's business innovation ability; At the same time, the pilot of local debt promotes the commercial banks to perfect the existing credit pattern. These new conditions make the structure and quantity of the business in the form of commercial banks change, thus affecting the profitability of commercial banks. Since the profit source of commercial banks is mainly in and out of balance sheet business, and most of the profits are still from deposit and loan interest income, so in the analysis of the financial disintermediation of the impact on the profitability of commercial banks in China. The impact of financial disintermediation on the balance sheet business of commercial banks, that is, the impact on the assets and liabilities of commercial banks, is mainly analyzed in terms of the structure of deposit source and the structure of deposit maturity. For the asset business, mainly in the analysis of loans, because loans may be affected by macro-control credit policy, there is no obvious effect in the collected data, but from the perspective of loan structure. Financial disintermediation has gradually changed the financing structure of enterprises. Through the analysis of these aspects, the impact on the profitability of commercial banks has been drawn. Finally, under the background of "financial disintermediation deepening". This paper puts forward the countermeasures of Chinese commercial banks and how to improve the current profit model in three aspects: first, strengthen financial innovation and promote comprehensive management; Second, to change the business model and adjust the customer structure; Third, to adapt to the interest rate marketization reform, establish and improve the interest rate pricing mechanism. With the further promotion of interest rate marketization, the increasingly fierce competition of commercial banks, the diversification of financing channels and the increasing number of financing tools have brought challenges to the profit model of commercial banks. Timely adjustment of the mode of development to meet the changing market is an important guarantee for the business operation of commercial banks to be more sustainable and stable.
【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前9條

1 鄒新;趙幼力;;國際銀行業(yè)走勢(shì)分析及其對(duì)中資商業(yè)銀行的啟示[J];金融論壇;2007年05期

2 趙靜梅;;美國金融監(jiān)管結(jié)構(gòu)的轉(zhuǎn)型及對(duì)我國的啟示[J];國際金融研究;2007年12期

3 施薇薇;;金融中介理論的評(píng)述和思考[J];華東經(jīng)濟(jì)管理;2008年02期

4 張兆璽;;完善我國商業(yè)銀行風(fēng)險(xiǎn)管理機(jī)制的對(duì)策[J];經(jīng)濟(jì)視角(下);2010年10期

5 陸岷峰;任亞軍;施勇;;金融脫媒對(duì)商業(yè)銀行經(jīng)營管理的影響分析[J];上海金融;2008年06期

6 華雅琴;;商業(yè)銀行利率風(fēng)險(xiǎn)管理淺析[J];時(shí)代金融;2010年05期

7 唐旭;;多層次金融市場(chǎng)與金融脫媒[J];中國金融;2006年14期

8 李軍;;金融脫媒趨勢(shì)下商業(yè)銀行面臨的機(jī)遇與挑戰(zhàn)[J];中國金融;2006年14期

9 王偉;;金融脫媒背景下落實(shí)從緊貨幣政策的新思路[J];西部金融;2008年07期

，

本文編號(hào)：1375248