本文選題：金融脫媒 + 商業(yè)銀行��； 參考：《西北大學》2014年碩士論文

【摘要】：在全球經(jīng)濟一體化以及金融發(fā)展國際化的背景下,我國金融體制改革不斷推進,資本市場迅速發(fā)展,出現(xiàn)了貨幣資金繞開金融中介而直接在需求雙方進行融通的“金融脫媒”現(xiàn)象。本文運用理論與實證、定性與定量相結合的方法旨在研究金融脫媒及其對商業(yè)銀行的影響。首先在國內外相關的理論研究基礎上,結合我國實際描述金融脫媒在商業(yè)銀行與非銀行金融機構、社會融資規(guī)模與融資結構等方面的發(fā)展現(xiàn)狀。從金融深化、投資觀念轉變、信息技術發(fā)展以及政策支持等角度分析其在我國產(chǎn)生的根本原因。在此基礎之上引出本文的理論研究成果,即金融脫媒對商業(yè)銀行的影響：一方面,金融脫媒影響商業(yè)銀行的傳統(tǒng)業(yè)務、盈利能力及風險管理要求；另一方面,金融脫媒推動商業(yè)銀行發(fā)展中間業(yè)務,提高非利息收入,轉變經(jīng)營模式并提供資本市場平臺來增強實力。接著基于商業(yè)銀行傳統(tǒng)業(yè)務的視角,建立向量自回歸模型和脈沖響應函數(shù)等計量經(jīng)濟方法來驗證金融脫媒對商業(yè)銀行的影響,得到金融脫媒會導致商業(yè)銀行存貸款增量的減少,且二者存在長期關系等實證研究成果。最后,根據(jù)理論與實證分析的結論提出合理建議�？偠灾�,金融脫媒是把雙刃劍,我國商業(yè)銀行應該化挑戰(zhàn)為機遇,加快改革與創(chuàng)新,把握金融脫媒帶來的各種良機,實現(xiàn)質的飛躍。
[Abstract]:Under the background of global economic integration and the internationalization of financial development, the reform of China's financial system continues to advance, and the capital market develops rapidly.The phenomenon of financial disintermediation occurs when money funds circumvent financial intermediation and directly meet the needs of both sides.The purpose of this paper is to study financial disintermediation and its influence on commercial banks by means of theoretical and empirical, qualitative and quantitative methods.Firstly, on the basis of theoretical research at home and abroad, this paper describes the development of financial disintermediation in commercial banks and non-bank financial institutions, social financing scale and financing structure.This paper analyzes the fundamental causes of financial deepening, investment concept change, information technology development and policy support in China.On this basis, the theoretical research results of this paper are drawn, that is, the impact of financial disintermediation on commercial banks: on the one hand, financial disintermediation affects the traditional business, profitability and risk management requirements of commercial banks; on the other hand,Financial disintermediation promotes commercial banks to develop intermediary business, increase non-interest income, change business model and provide capital market platform to strengthen their strength.Then based on the traditional business perspective of commercial banks, we establish vector autoregressive model and impulse response function to verify the impact of financial disintermediation on commercial banks, and get that financial disintermediation will lead to the decrease of deposit and loan increment of commercial banks.And there is a long-term relationship between the two empirical research results.Finally, according to the conclusions of theoretical and empirical analysis, reasonable suggestions are put forward.In a word, financial disintermediation is a double-edged sword. Our commercial banks should turn challenges into opportunities, speed up reform and innovation, grasp all kinds of opportunities brought by financial disintermediation, and realize a qualitative leap.
【學位授予單位】：西北大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.1;F832.33

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