本文選題：中國上市商業(yè)銀行 + 金融創(chuàng)新��； 參考：《安徽大學(xué)》2012年碩士論文

【摘要】：金融創(chuàng)新是受到相關(guān)社會(huì)各界廣泛關(guān)注的話題,一般意義上的金融創(chuàng)新包括了金融產(chǎn)品和金融服務(wù)的創(chuàng)新以及與之相關(guān)的金融交易方式、金融市場(chǎng)制度和金融監(jiān)管方式等方面的創(chuàng)新。金融創(chuàng)新帶來了新的贏利機(jī)會(huì),也帶來了新的金融風(fēng)險(xiǎn),現(xiàn)代商業(yè)銀行在生存發(fā)展過程中都不可避免地主動(dòng)或被動(dòng)進(jìn)行著金融創(chuàng)新,從而推動(dòng)了自身甚至整個(gè)行業(yè)的變革與發(fā)展。因此,金融創(chuàng)新是商業(yè)銀行得以發(fā)展、金融貨幣市場(chǎng)得以完善的重要影響因素。 在經(jīng)濟(jì)全球化的背景下,我國金融市場(chǎng)的開放程度正在逐年提高,銀行業(yè)正處于全面向世界貿(mào)易組織成員國開放的歷史性發(fā)展階段,銀行業(yè)在”十二五”期間的金融創(chuàng)新需求是十分巨大的。金融創(chuàng)新作為現(xiàn)代金融業(yè)的競(jìng)爭(zhēng)利器,只有以金融創(chuàng)新為核心制定的發(fā)展戰(zhàn)略,才能獲得持續(xù)發(fā)展的動(dòng)力。在當(dāng)前形勢(shì)下,外資銀行把中國視作一個(gè)規(guī)模巨大的、尚未完全開發(fā)的市場(chǎng),與國內(nèi)商業(yè)銀行相比,外資銀行在金融創(chuàng)新領(lǐng)域經(jīng)驗(yàn)豐富,雖然它們由于受到物理營業(yè)網(wǎng)點(diǎn)數(shù)量的限制,暫時(shí)不會(huì)與國內(nèi)商業(yè)銀行展開全面的競(jìng)爭(zhēng),但它們會(huì)利用金融創(chuàng)新所帶來的產(chǎn)品和服務(wù)優(yōu)勢(shì)為高端市場(chǎng)提供獨(dú)特的產(chǎn)品或服務(wù),進(jìn)一步壓縮國內(nèi)商業(yè)銀行的盈利空間。 與外資銀行相比,我國銀行業(yè)多是被動(dòng)地進(jìn)行金融創(chuàng)新實(shí)踐活動(dòng),制約金融創(chuàng)新發(fā)展的內(nèi)外因素較多,如何加快建設(shè)完善國內(nèi)金融市場(chǎng),提高銀行業(yè)的金融創(chuàng)新能力也是“十二五”時(shí)期的重要課題。如果我國的銀行業(yè)遲遲不能利用金融創(chuàng)新及時(shí)建立市場(chǎng)化的經(jīng)營機(jī)制、提高經(jīng)營管理效率,從而進(jìn)一步發(fā)揮在社會(huì)經(jīng)濟(jì)建設(shè)中的核心作用,那么在今后相當(dāng)一段時(shí)期內(nèi)將會(huì)被外資銀行逼入更大的窘境。我國銀行業(yè)面臨著來自外資銀行的巨大競(jìng)爭(zhēng)壓力,必須通過提高金融創(chuàng)新能力來增強(qiáng)自身的核心競(jìng)爭(zhēng)力和抵御金融風(fēng)險(xiǎn)的能力。 本文主要分析了我國上市商業(yè)銀行的金融創(chuàng)新現(xiàn)狀并給出了相應(yīng)的對(duì)策建議。本文首先在對(duì)商業(yè)銀行金融創(chuàng)新概念的界定上給出了相應(yīng)的看法,對(duì)商業(yè)銀行金融創(chuàng)新的內(nèi)容、原則和動(dòng)因進(jìn)行了分析研究；隨后闡述了發(fā)達(dá)國家和我國商業(yè)銀行金融創(chuàng)新的現(xiàn)狀并進(jìn)行了分析對(duì)比,在此基礎(chǔ)上,總結(jié)了影響金融創(chuàng)新的要素,收集并整理了我國十六家上市商業(yè)銀行2010年度與金融創(chuàng)新有關(guān)的數(shù)據(jù),運(yùn)用因子分析法和SPSS軟件對(duì)相關(guān)數(shù)據(jù)進(jìn)行了定量分析,得到了對(duì)我國上市商業(yè)銀行金融創(chuàng)新影響最大的三個(gè)因子,并對(duì)十六家銀行進(jìn)行分類排序。最終在規(guī)范分析和實(shí)證分析的基礎(chǔ)上,就未來如何促進(jìn)我國上市商業(yè)銀行金融創(chuàng)新提出了相應(yīng)的對(duì)策建議,具有一定的理論和現(xiàn)實(shí)意義。
[Abstract]:Financial innovation is a topic widely concerned by relevant social circles. In general, financial innovation includes the innovation of financial products and financial services, as well as the related financial transaction methods. Financial market system and financial supervision and other aspects of innovation. Financial innovation brings new profit opportunities as well as new financial risks. In the process of survival and development, modern commercial banks are inevitably carrying out financial innovation actively or passively. Thus promoting their own and even the entire industry of change and development. Therefore, financial innovation is an important influencing factor for the development of commercial banks and the perfection of financial money market. Under the background of economic globalization, the opening degree of China's financial market is increasing year by year, and the banking industry is in the historic stage of opening to the members of the World Trade Organization (WTO). The financial innovation demand of the banking industry during the twelfth five-year plan period is very huge. Financial innovation is the competitive weapon of modern financial industry. Only the development strategy with financial innovation as the core can obtain the motive force of sustainable development. Under the current situation, foreign banks regard China as a huge market that has not yet been fully developed. Compared with domestic commercial banks, foreign banks have rich experience in the field of financial innovation. Although they will not compete fully with domestic commercial banks for the time being due to restrictions on the number of physical outlets, they will take advantage of the product and service advantages of financial innovation to provide unique products or services for the high-end market. Further compression of domestic commercial banks profit space. Compared with the foreign banks, the banking industry of our country carries on the financial innovation practice activity passively, restricts the financial innovation development by many internal and external factors, how to speed up the construction and perfect the domestic financial market, To improve the financial innovation ability of the banking industry is also an important subject in the twelfth five-year plan period. If the banking industry of our country is unable to make use of financial innovation to set up a market-oriented management mechanism in time to improve the efficiency of operation and management, and thus further exert its central role in the social and economic construction, Then in the future quite a period of time will be forced by foreign banks into a greater dilemma. China's banking industry is facing great competition pressure from foreign banks. It is necessary to enhance its core competitiveness and the ability to resist financial risks by improving its ability of financial innovation. This paper mainly analyzes the current situation of financial innovation of listed commercial banks in China and gives corresponding countermeasures and suggestions. This paper first gives the corresponding views on the definition of the concept of financial innovation of commercial banks, and analyzes the content, principle and motivation of the financial innovation of commercial banks. Then, the paper expounds the current situation of financial innovation in developed countries and commercial banks in China and analyzes and compares it. On this basis, it summarizes the factors that affect financial innovation. This paper collects and collates the data related to financial innovation of 16 listed commercial banks in China in 2010, and makes quantitative analysis of the relevant data by using factor analysis method and SPSS software. Three factors which have the greatest influence on the financial innovation of listed commercial banks in China are obtained, and 16 banks are classified and sorted. Finally, on the basis of normative analysis and empirical analysis, this paper puts forward corresponding countermeasures and suggestions on how to promote financial innovation of listed commercial banks in China in the future, which has certain theoretical and practical significance.
【學(xué)位授予單位】：安徽大學(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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