本文選題：金融中介 + 金融脫媒�。� 參考：《西南財(cái)經(jīng)大學(xué)》2012年碩士論文

【摘要】：“金融脫媒”又稱為“金融非中介化”,是指資金的盈余方和赤字方繞過金融中介而直接進(jìn)行交易的金融市場變化趨勢,這種現(xiàn)象最早出現(xiàn)在20世紀(jì)60年代的美國。 隨著我國經(jīng)濟(jì)體制改革的不斷深化,金融市場的不斷發(fā)展,金融脫媒在我國的發(fā)展也將逐步深化,這勢必將對(duì)我國商業(yè)銀行經(jīng)營產(chǎn)生極大的挑戰(zhàn)。為此,深入分析金融脫媒在我國的產(chǎn)生機(jī)理和發(fā)展?fàn)顩r,并提出行之有效的應(yīng)對(duì)策略具有很大的現(xiàn)實(shí)意義。本文以金融中介理論為理論研究基礎(chǔ),運(yùn)用多種統(tǒng)計(jì)分析方法,分別從金融脫媒的產(chǎn)生背景和原因、現(xiàn)狀和趨勢、對(duì)我國商業(yè)銀行經(jīng)營的影響等五個(gè)方面分析了我國的金融脫媒現(xiàn)象,并結(jié)合國際金融市場金融脫媒后國際商業(yè)銀行的應(yīng)對(duì)及啟示提出了我國商業(yè)銀行應(yīng)對(duì)金融脫媒的創(chuàng)新對(duì)策。力求通過對(duì)金融脫媒的全面分析,為我國銀行業(yè)的長足發(fā)展提出些有指導(dǎo)意義的建議。 首先,分析了我國金融脫媒的產(chǎn)生背景和原因：1、制度背景：金融改革的不斷深入和資本市場的不斷發(fā)展；2、經(jīng)濟(jì)基礎(chǔ)：經(jīng)濟(jì)的高速發(fā)展和社會(huì)財(cái)富的大量積累；3、推動(dòng)力量——理財(cái)意識(shí)的轉(zhuǎn)變和各類理財(cái)機(jī)構(gòu)的發(fā)展；4、現(xiàn)實(shí)原因——“高物價(jià),緊信貸,投資熱”5、技術(shù)支持——信息技術(shù)和網(wǎng)絡(luò)金融的發(fā)展。其次,重點(diǎn)分析了我國金融脫媒的表現(xiàn)、發(fā)展現(xiàn)狀和趨勢,利用存貸差、長短期儲(chǔ)蓄存款占比、長短期貸款占比、資產(chǎn)中介化比率、負(fù)債中介化比率等各種指標(biāo)衡量了我國的金融脫媒程度,我國金融脫媒正在逐步深化,但總體來說,我國金融脫媒程度還不嚴(yán)重,遠(yuǎn)遠(yuǎn)低于西方發(fā)達(dá)國家的脫媒程度。再次,從各方面分析了金融脫媒對(duì)我國商業(yè)銀行的利弊影響。最后,結(jié)合美國應(yīng)對(duì)金融脫媒的經(jīng)驗(yàn)啟示,提出了我國商業(yè)銀行應(yīng)對(duì)金融脫媒的創(chuàng)新對(duì)策：1、理念創(chuàng)新——更新經(jīng)營理念,改革體制機(jī)制,優(yōu)化人力資源2、客戶創(chuàng)新——做好深入細(xì)致的行業(yè)分析,調(diào)整客戶結(jié)構(gòu),開拓新的市場3、業(yè)務(wù)創(chuàng)新——鞏固傳統(tǒng)業(yè)務(wù),大力發(fā)展中間業(yè)務(wù),實(shí)現(xiàn)多元化經(jīng)營,尋找新的利潤增長點(diǎn)4、資產(chǎn)結(jié)構(gòu)和負(fù)債結(jié)構(gòu)創(chuàng)新,加強(qiáng)與非銀行金融機(jī)構(gòu)的合作5、樹立全面風(fēng)險(xiǎn)管理理念,提高風(fēng)險(xiǎn)管理水平6、大小商業(yè)銀行應(yīng)結(jié)合自身優(yōu)勢,明確自身定位,提高核心競爭力�！敖鹑诿撁健睂�(duì)銀行業(yè)的發(fā)展來說既是挑戰(zhàn)也是機(jī)遇,我國商業(yè)銀行應(yīng)該勇敢創(chuàng)新,戰(zhàn)勝挑戰(zhàn),并好好利用這一發(fā)展機(jī)遇實(shí)現(xiàn)質(zhì)的飛躍,力爭成為國際上有實(shí)力和競爭力的全能型商業(yè)銀行。
[Abstract]:Financial disintermediation, also called "financial disintermediation", refers to the changing trend of financial market in which the surplus and deficit parties bypass financial intermediation and trade directly. This phenomenon first appeared in the United States in the 1960s. With the deepening of China's economic system reform and the development of financial market, the development of financial disintermediation in China will be deepened step by step, which will inevitably pose a great challenge to the management of commercial banks in China. Therefore, it is of great practical significance to analyze the mechanism and development of financial disintermediation in China, and to put forward effective countermeasures. Based on the theory of financial intermediation, this paper uses a variety of statistical analysis methods to analyze the background, causes, current situation and trend of financial disintermediation. This paper analyzes the phenomenon of financial disintermediation in China from five aspects, such as the influence of commercial bank management in our country, and puts forward the innovative countermeasures for Chinese commercial banks to deal with financial disintermediation in combination with the response and enlightenment of international commercial banks after financial disintermediation in the international financial market. Through the comprehensive analysis of financial disintermediation, some instructive suggestions are put forward for the rapid development of China's banking industry. First, This paper analyzes the background and causes of financial disintermediation in China: 1, institutional background: the deepening of financial reform and the continuous development of capital market, the economic base: the rapid development of economy and the massive accumulation of social wealth. The change of financial management consciousness and the development of various financial institutions Tight credit, investment craze, technical support-the development of information technology and network finance. Secondly, the paper analyzes the performance, current situation and trend of financial disintermediation in China. It makes use of the difference between deposit and loan, the proportion of savings deposits in the short and long term, the ratio of long-term and short-term loans, and the ratio of asset intermediation. The financial disintermediation ratio and other indicators measure the degree of financial disintermediation in our country, which is gradually deepening, but generally speaking, the degree of financial disintermediation in our country is not serious, which is far lower than that in western developed countries. Thirdly, the paper analyzes the advantages and disadvantages of financial disintermediation on Chinese commercial banks. Finally, combined with the experience of the United States in dealing with financial disintermediation, this paper puts forward the innovative countermeasures of China's commercial banks to deal with financial disintermediation:: 1, concept innovation--renewing the management concept, reforming the system and mechanism. Optimize human resources 2, customer innovation-do a good job of in-depth and meticulous industry analysis, adjust customer structure, open up new market 3, business innovation-consolidate traditional business, vigorously develop intermediate business, realize diversified management, To find new profit growth point 4, to innovate the structure of assets and liabilities, to strengthen the cooperation with non-bank financial institutions, to establish a comprehensive risk management concept and to improve the risk management level 6. Commercial banks, large and small, should combine their own advantages and define their own position. Improve the core competitiveness. "Financial disintermediation" is both a challenge and an opportunity for the development of the banking industry. Our commercial banks should make bold innovations and overcome the challenges, and make good use of this development opportunity to achieve a qualitative leap. Strive to become an international strength and competitiveness of all-energy commercial banks.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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