本文選題：資本充足率 + 融資渠道��； 參考：《山東大學(xué)》2012年碩士論文

【摘要】：2011年,銀行業(yè)監(jiān)管部門公布《商業(yè)銀行資本管理辦法》,辦法有兩方面規(guī)定,一是提高商業(yè)銀行資本充足率這一監(jiān)管標(biāo)準(zhǔn),二是調(diào)整商業(yè)銀行資產(chǎn)風(fēng)險(xiǎn)權(quán)重。我國商業(yè)銀行面臨兩方面的壓力,一是2009年我國商業(yè)銀行進(jìn)行了大量放貸,引發(fā)資本消耗；二是2011年辦法的公布,銀行要應(yīng)對(duì)監(jiān)管層的高標(biāo)準(zhǔn)、高要求。面對(duì)雙重壓力,我國絕大多數(shù)商業(yè)銀行提出融資計(jì)劃。我國商業(yè)銀行普遍存在盈利能力差的情況,在內(nèi)源融資無法滿足資本金的需求時(shí),銀行只能求助于資本市場(chǎng)。但是銀行的融資對(duì)股市造成了巨大壓力,不利于資本市場(chǎng)的穩(wěn)定。在此背景下,研究興業(yè)銀行的融資渠道,對(duì)中小型商業(yè)銀行融資渠道的選擇具有重要的意義。 本文首先介紹我國中小型商業(yè)銀行補(bǔ)充資本金的常見渠道,不同融資渠道的優(yōu)缺點(diǎn),闡述我國中小型商業(yè)銀行融資的現(xiàn)狀,深入剖析我國商業(yè)銀行長(zhǎng)期面臨資本充足率困擾的原因。本文以興業(yè)銀行的融資歷程為主線,在案例分析法的基礎(chǔ)上,運(yùn)用財(cái)務(wù)指標(biāo),詳述了興業(yè)銀行在不同階段選擇不同融資渠道的原因,以及融資渠道的選擇對(duì)興業(yè)銀行的發(fā)展產(chǎn)生的影響,探尋解決興業(yè)銀行資本充足率不足問題的方法。最后,根據(jù)我國中小型商業(yè)銀行融資方面存在的問題,為我國中小型商業(yè)銀行因資本充足率不足而引發(fā)的融資提出建議。
[Abstract]:In 2011, the banking regulatory department published the measures for Capital Management of Commercial Banks, which have two provisions: one is to improve the capital adequacy ratio of commercial banks, and the other is to adjust the risk weight of commercial banks' assets. China's commercial banks are under pressure from two aspects. One is that China's commercial banks made a large number of loans in 2009, which led to capital consumption; the other is the announcement of the 2011 measures. Banks should deal with the high standards and requirements of the regulatory level. Facing double pressure, most commercial banks in our country put forward financing plan. Commercial banks in China generally have poor profitability. When internal financing can not meet the demand for capital, banks can only turn to the capital market. But the bank's financing has created the huge pressure to the stock market, is not conducive to the capital market stability. Under this background, it is of great significance to study the financing channels of Societe Generale Bank for the choice of financing channels for medium and small commercial banks. This paper first introduces the common channels of supplementing capital, the advantages and disadvantages of different financing channels, and expounds the current situation of financing of small and medium-sized commercial banks in China. Deeply analyze the reasons why Chinese commercial banks face the problem of capital adequacy rate for a long time. This paper takes the financing course of Industrial Bank as the main line, on the basis of case analysis, using financial indicators, details the reasons why the bank chooses different financing channels in different stages. The influence of the choice of financing channel on the development of Societe Generale Bank is also discussed, and the methods to solve the problem of insufficient capital adequacy ratio of SocGen Bank are explored. Finally, according to the financing problems of the small and medium-sized commercial banks in China, the paper puts forward some suggestions for the financing of the small and medium-sized commercial banks caused by the shortage of capital adequacy ratio.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.3

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