發(fā)布時(shí)間：2018-02-23 12:04

  本文關(guān)鍵詞： 民間借貸 商業(yè)銀行 信貸業(yè)務(wù)　出處：《東北師范大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開放以來，民間借貸已經(jīng)逐漸發(fā)展成為我國金融體系不可或缺的組成部分，對我國的經(jīng)濟(jì)發(fā)展起了不可否認(rèn)的積極作用，但同時(shí)也給我國商業(yè)銀行信貸業(yè)務(wù)帶來了不小的影響。關(guān)注和研究民間借貸與商業(yè)銀行信貸業(yè)務(wù)之間的關(guān)系，將有助于深化我國金融體制改革，促進(jìn)經(jīng)濟(jì)發(fā)展。 本文主要按照以下思路展開，共分為以下幾個(gè)部分。第一部分是引言。首先分析了研究民間借貸對商業(yè)銀行信貸業(yè)務(wù)影響的背景、目的及意義。然后就國內(nèi)外學(xué)者對民間借貸與商業(yè)銀行信貸業(yè)務(wù)相關(guān)的理論研究做了詳細(xì)的文獻(xiàn)綜述，包括民間借貸的范疇及產(chǎn)生原因、民間借貸發(fā)展?fàn)顩r和商業(yè)銀行信貸業(yè)務(wù)發(fā)展現(xiàn)狀。再指出了文章的創(chuàng)新及不足之處。第二部分是民間借貸和商業(yè)銀行信貸業(yè)務(wù)的基本理論，主要分析了兩者的基本理論，包括民間借貸的金融抑制理論；信息不對稱理論和制度變遷理論及商業(yè)銀行信貸業(yè)務(wù)的交易成本理論；金融共生理論和信貸配給理論。第三部分是民間借貸與商業(yè)銀行信貸業(yè)務(wù)的發(fā)展現(xiàn)狀，主要分析了民間借貸與商業(yè)銀行信貸業(yè)務(wù)現(xiàn)狀及比較優(yōu)勢和劣勢。第四部分是民間借貸對商業(yè)銀行信貸業(yè)務(wù)的主要影響，，包括民間借貸彌補(bǔ)了商業(yè)銀行信貸業(yè)務(wù)的不足、幫助商業(yè)銀行緩解了借貸壓力和促進(jìn)商業(yè)銀行產(chǎn)品創(chuàng)新等正面影響及民間借貸減少了商業(yè)銀行的資金流入、占據(jù)了商業(yè)銀行的信貸空間和增加了商業(yè)銀行對風(fēng)險(xiǎn)的控制等負(fù)面影響。第五部分是國外民間借貸發(fā)展模式的比較與借鑒，主要分析了發(fā)達(dá)國家和發(fā)展中國家的民間借貸發(fā)展模式，同時(shí)從中得到了啟示。第六部分是針對民間借貸對商業(yè)銀行的兩方面影響和其他國家民間借貸發(fā)展經(jīng)驗(yàn)給我國的啟示提出的優(yōu)化建議。
[Abstract]:Since the reform and opening up, private lending has gradually developed into an indispensable part of our financial system, which has played an undeniable and positive role in the economic development of our country. But at the same time, it also has a great influence on the credit business of commercial banks in China. It will be helpful to deepen the reform of financial system and promote economic development by paying attention to and studying the relationship between private lending and credit business of commercial banks. The first part is the introduction. Firstly, the background of the study on the influence of private lending on the credit business of commercial banks is analyzed. The purpose and significance. Then, this paper makes a detailed literature review on the theoretical research of private lending and commercial bank credit business, including the scope of private lending and the reasons for its emergence. The second part is the basic theory of private lending and commercial bank credit business, mainly analyzes the basic theory of the two. It includes the theory of financial suppression of private lending, the theory of asymmetric information and the theory of institutional change, and the transaction cost theory of credit business of commercial banks. Financial symbiosis theory and credit rationing theory. The third part is the development of private lending and commercial bank credit business. This paper mainly analyzes the current situation and comparative advantages and disadvantages of private lending and commercial bank credit business. Part 4th is the main impact of private lending on commercial bank credit business, including private lending to make up for the lack of commercial bank credit business. Helping commercial banks ease lending pressures and promote commercial banks' product innovation and other positive effects, and private lending has reduced the inflow of funds from commercial banks. It occupies the credit space of commercial banks and increases the negative influence of commercial banks on risk control. Part 5th is the comparison and reference of the development models of foreign private lending. It mainly analyzes the development models of private lending in both developed and developing countries. At the same time, the author draws inspiration from it. Part 6th is about the optimization suggestions on the two aspects of the influence of private lending on commercial banks and the enlightenment of other countries' private lending development experience to our country.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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本文編號：1526595