本文關(guān)鍵詞： 商業(yè)銀行 監(jiān)督水平 財(cái)務(wù)指標(biāo)　出處：《華中師范大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：盡管上個(gè)世紀(jì)90年代我國(guó)就建立了資本市場(chǎng),但是至今為止,銀行業(yè)仍然是我國(guó)金融體系的絕對(duì)核心。中國(guó)人民銀行的《中國(guó)貨幣政策執(zhí)行報(bào)告》顯示,截至2012年底,我國(guó)社會(huì)體系中非金融部門(mén)的間接融資從2006年的91%下降到了84%,盡管銀行融資比重有所降低,但仍可表明銀行貸款是企業(yè)最重要的融資渠道。與其他發(fā)達(dá)國(guó)家相比,我國(guó)銀行作為企業(yè)最大的債權(quán)人和最主要融資對(duì)象,卻總是被當(dāng)作獨(dú)立的個(gè)體,在企業(yè)的管理和經(jīng)營(yíng)之中所起的作用一直被忽視。 目前在國(guó)內(nèi)A股上市的商業(yè)銀行共有16家,其資產(chǎn)規(guī)模已占到商業(yè)銀行總資產(chǎn)規(guī)模的70%以上,凈利潤(rùn)占商業(yè)銀行業(yè)總利潤(rùn)水平的80%以上,這表明上市商業(yè)銀行在我國(guó)商業(yè)銀行體系中占有著舉足輕重的地位。因此,商業(yè)銀行是否對(duì)企業(yè)具有監(jiān)督作用,對(duì)于我國(guó)企業(yè)和銀行的雙向發(fā)展具有十分重要的現(xiàn)實(shí)意義。 論文第一章是從理論方面來(lái)闡述商業(yè)銀行對(duì)企業(yè)的監(jiān)督作用的重要意義。第二章先對(duì)國(guó)內(nèi)外學(xué)者對(duì)商業(yè)銀行監(jiān)督作用的研究分析起了做了綜合概述,再?gòu)闹泻Y選出具有代表性的觀點(diǎn)。第三章中,本文將商業(yè)銀行發(fā)放的貸款利率作為研究對(duì)象,選取了企業(yè)的財(cái)務(wù)指標(biāo)和非財(cái)務(wù)指標(biāo)對(duì)其建立實(shí)證模型,進(jìn)行計(jì)量分析。第四章是實(shí)證結(jié)果分析。最后一章主要通過(guò)結(jié)合前文的分析研究,根據(jù)我國(guó)的實(shí)際國(guó)情和未來(lái)的發(fā)展趨勢(shì)提出了一些提升我國(guó)商業(yè)銀行監(jiān)督水平和質(zhì)量的對(duì)策建議。
[Abstract]:Although China established the capital market in -10s, the banking industry is still the absolute core of China's financial system up to now. The report of the people's Bank of China on the implementation of China's Monetary Policy shows. As of end of 2012, the indirect financing of the non-financial sector in China's social system has fallen from 91% in 2006 to 84, although the proportion of bank financing has decreased. But it can still show that bank loan is the most important financing channel for enterprises. Compared with other developed countries, Chinese banks, as the largest creditor and the main financing object of enterprises, are always regarded as independent individuals. In the management and management of enterprises, the role has been neglected. At present, there are 16 domestic A-share listed commercial banks, whose asset scale has accounted for more than 70% of the total assets of commercial banks, and net profit accounts for more than 80% of the total profits of commercial banks. This indicates that the listed commercial banks play an important role in the commercial banking system of our country. Therefore, whether the commercial banks have the supervisory role to the enterprises. It has very important practical significance for the two-way development of enterprises and banks in our country. The first chapter is from the theoretical point of view to explain the importance of the role of commercial banks in the supervision of enterprises. The second chapter of the domestic and foreign scholars on the role of commercial banks supervision to do a comprehensive overview. In the third chapter, this paper takes the loan interest rate of commercial banks as the research object, selects the financial indicators and non-financial indicators of enterprises to establish an empirical model. Chapter 4th is empirical results analysis. The last chapter is mainly through the previous analysis and research. According to the actual situation of our country and the development trend in the future, this paper puts forward some countermeasures and suggestions to improve the supervision level and quality of commercial banks in our country.
【學(xué)位授予單位】：華中師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F224;F832.4;F276.6

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