本文選題：金融監(jiān)管 + 商業(yè)銀行產(chǎn)品創(chuàng)新　； 參考：《湖南大學(xué)》2013年博士論文

【摘要】：金融體系在整個(gè)經(jīng)濟(jì)中發(fā)揮著資源配置的作用,而金融創(chuàng)新則是促進(jìn)這一功能提高效率的強(qiáng)大動(dòng)力。有別于其他金融機(jī)構(gòu),商業(yè)銀行在整個(gè)金融體系中與國(guó)民經(jīng)濟(jì)的聯(lián)系最為緊密,在金融體系中占據(jù)著最為核心的位置。從國(guó)家整體經(jīng)濟(jì)的層面來看,商業(yè)銀行的產(chǎn)品創(chuàng)新在節(jié)約籌資成本、細(xì)化投資風(fēng)險(xiǎn)、提高投資收益、增進(jìn)市場(chǎng)效率方面有著明顯的優(yōu)勢(shì)；從商業(yè)銀行的角度來看,產(chǎn)品創(chuàng)新的目的是為了滿足自身和客戶的需求以實(shí)現(xiàn)利潤(rùn)的最大化,因此,具有盈利性的產(chǎn)品創(chuàng)新是商業(yè)銀行根據(jù)金融環(huán)境變化調(diào)整的產(chǎn)物。 正因?yàn)榻鹑隗w系的重要性,使得金融機(jī)構(gòu)成為了經(jīng)濟(jì)體中受到最嚴(yán)格監(jiān)管的組織之一,而商業(yè)銀行又是其中受到金融監(jiān)管最為嚴(yán)厲的金融機(jī)構(gòu)之一。令人遺憾的是,無論是過去還是現(xiàn)在,世界范圍內(nèi)銀行體系發(fā)生危機(jī)的事實(shí)說明銀行監(jiān)管并不是完全有效的。國(guó)際上對(duì)金融監(jiān)管與銀行產(chǎn)品創(chuàng)新之間的描述大多都是從“危機(jī)推動(dòng)型”的角度進(jìn)行闡述,但事實(shí)表明許多銀行產(chǎn)品的創(chuàng)新就是金融監(jiān)管變化的直接結(jié)果,更不用說由金融監(jiān)管導(dǎo)致金融環(huán)境發(fā)生變化從而引發(fā)的銀行產(chǎn)品創(chuàng)新了。特別是在我國(guó)的商業(yè)銀行,比起歐美國(guó)家存在的“創(chuàng)新過度”,我國(guó)的商業(yè)銀行更多表現(xiàn)出來的是“創(chuàng)新不足”,這種不足不僅僅是由產(chǎn)品的研發(fā)不足造成的,也是由商業(yè)銀行的監(jiān)管環(huán)境不成熟所造成的。 本文首先對(duì)金融監(jiān)管、金融創(chuàng)新、銀行產(chǎn)品創(chuàng)新、商業(yè)銀行績(jī)效及銀行產(chǎn)品創(chuàng)新績(jī)效等核心概念進(jìn)行了界定；對(duì)金融監(jiān)管、商業(yè)銀行產(chǎn)品創(chuàng)新、商業(yè)銀行產(chǎn)品創(chuàng)新的績(jī)效評(píng)價(jià)以及研究三者之間關(guān)系的相關(guān)理論進(jìn)行了回顧。從金融監(jiān)管的視角探究了金融創(chuàng)新的動(dòng)因以及為商業(yè)銀行帶來的績(jī)效變化。進(jìn)而構(gòu)建了相應(yīng)的經(jīng)濟(jì)學(xué)模型,比較了在金融監(jiān)管的作用下,商業(yè)銀行個(gè)體創(chuàng)新績(jī)效與銀行業(yè)創(chuàng)新績(jī)效的發(fā)展軌跡,創(chuàng)新性的從經(jīng)濟(jì)學(xué)的角度討論了金融監(jiān)管短期和長(zhǎng)期對(duì)商業(yè)銀行產(chǎn)品創(chuàng)新以及對(duì)單個(gè)銀行和對(duì)整個(gè)銀行業(yè)的績(jī)效的影響是不同的。發(fā)現(xiàn)從短期看金融監(jiān)管對(duì)單個(gè)商業(yè)銀行的產(chǎn)品創(chuàng)新有可能是起抑制作用的,但是從長(zhǎng)期來看,金融監(jiān)管能夠降低系統(tǒng)風(fēng)險(xiǎn)及銀行業(yè)的整體風(fēng)險(xiǎn),用風(fēng)險(xiǎn)分解和風(fēng)險(xiǎn)聚集的方式增進(jìn)銀行業(yè)的整體績(jī)效。在此基礎(chǔ)上,通過探索性的研究設(shè)計(jì)出針對(duì)我國(guó)銀行監(jiān)管與商業(yè)銀行產(chǎn)品創(chuàng)新的指標(biāo)體系,在實(shí)證研究部分,首先對(duì)金融監(jiān)管對(duì)商業(yè)銀行產(chǎn)品創(chuàng)新績(jī)效的影響路徑進(jìn)行了研究,結(jié)果顯示監(jiān)管是通過影響商業(yè)銀行的產(chǎn)品創(chuàng)新行為而后間接影響到商業(yè)銀行的整體創(chuàng)新績(jī)效�；谏鲜鲇^點(diǎn),本文利用公開的二手?jǐn)?shù)據(jù)從時(shí)間維度和橫截面維度兩個(gè)層面構(gòu)建了金融監(jiān)管對(duì)商業(yè)銀行產(chǎn)品創(chuàng)新績(jī)效的影響模型,并對(duì)我國(guó)金融監(jiān)管對(duì)商業(yè)銀行產(chǎn)品創(chuàng)新績(jī)效進(jìn)行了研究,結(jié)合金融監(jiān)管和商業(yè)銀行產(chǎn)品創(chuàng)新的實(shí)踐經(jīng)驗(yàn)對(duì)影響商業(yè)銀行產(chǎn)品績(jī)效的關(guān)鍵性因素進(jìn)行了深度挖掘。在政策研究部分,結(jié)合后金融危機(jī)時(shí)代銀行監(jiān)管面臨的挑戰(zhàn)以及我國(guó)銀行監(jiān)管的變革與發(fā)展?fàn)顩r,為我國(guó)銀行監(jiān)管目標(biāo)的改革方向提供了建議并從金融監(jiān)管角度提出了提升我國(guó)商業(yè)銀行產(chǎn)品創(chuàng)新績(jī)效的相應(yīng)對(duì)策。
[Abstract]:The financial system plays a role in the allocation of resources in the whole economy, and financial innovation is a powerful motive force to promote the efficiency of this function. The product innovation of commercial banks has an obvious advantage in saving the cost of financing, refining the risk of investment, raising the income of investment and improving the efficiency of the market. From the perspective of commercial banks, the purpose of product innovation is to meet the needs of itself and customers to maximize the profit. Therefore, the product is profitable. Product innovation is the product of the adjustment of commercial banks according to the financial environment.
Because of the importance of the financial system, financial institutions have become one of the most strictly regulated organizations in the economy, and commercial banks are one of the most stringent financial institutions. It is not completely effective. The international description of financial regulation and bank product innovation is mostly from the perspective of "crisis driven", but the fact shows that the innovation of many bank products is the direct result of the change of financial supervision, not to mention the change of financial environment caused by financial regulation. In particular, the commercial banks in China, compared with the "excessive innovation" in the European and American countries, show more "lack of innovation" in our commercial banks, which is not only caused by the lack of research and development of products, but also caused by the immaturity of the regulatory environment of commercial banks.
This paper first defines the core concepts of financial supervision, financial innovation, bank product innovation, commercial bank performance and innovation performance of bank products, and reviews the related theories of financial supervision, commercial bank product innovation, commercial bank product innovation performance evaluation and research between the three. The point of view is to explore the motivation of financial innovation and the change of performance for commercial banks. Then the corresponding economic model is constructed, and the development trajectory of the individual innovation performance of commercial banks and the innovation performance of the banking industry under the effect of financial supervision is compared. The short-term and long-term financial supervision of financial supervision is discussed in an innovative way from the perspective of economics. The impact of commercial banks on product innovation and the performance of a single bank and the entire banking industry is different. It is found that in the short term, financial regulation may inhibit the product innovation of a single commercial bank, but in the long run, financial regulation can reduce the overall risk of system wind insurance and the banking industry, and use the risk to decompose the risk. The way of risk aggregation improves the overall performance of the banking industry. On this basis, through exploratory research, we design an index system for banking supervision and commercial bank product innovation in China. In the empirical research part, we first study the path of the impact of financial supervision on the product innovation performance of commercial banks. The results show that the supervision is through. The product innovation behavior of commercial banks affects the overall innovation performance of commercial banks and then indirectly affects the overall innovation performance of commercial banks. Based on the above views, this paper uses the open second-hand data to construct the impact model of financial supervision on the product innovation performance of commercial banks from two aspects of the time dimension and cross section dimension, and the financial supervision and regulation of our country to the business. The innovation performance of bank products is studied, and the key factors affecting the product performance of commercial banks are deeply excavated in combination with the practical experience of financial supervision and commercial bank product innovation. In the policy research part, the challenges facing banking supervision in the financial crisis and the reform and development of banking supervision in China, It also provides suggestions for the direction of China's banking regulatory reform and puts forward corresponding countermeasures for improving the product innovation performance of China's commercial banks from the perspective of financial regulation.

【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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