【摘要】：自20世紀(jì)90年代以來,伴隨著我國資本市場的發(fā)展,融資脫媒現(xiàn)象應(yīng)運(yùn)而生。融資脫媒的出現(xiàn),對我國商業(yè)銀行的經(jīng)營造成了巨大沖擊,削弱了商業(yè)銀行在我國金融體系中的作用,表現(xiàn)在存貸款差額逐漸擴(kuò)大,存款短期化、貸款長期化,經(jīng)營風(fēng)險(xiǎn)加大等方面。與此同時(shí),我國利率市場化、人民幣國際化改革正在逐步推進(jìn),這將加速融資脫媒在我國的發(fā)展,對商業(yè)銀行的影響也將日益擴(kuò)大。因此,研究融資脫媒對我國商業(yè)銀行存貸業(yè)務(wù)的影響,并為商業(yè)銀行的業(yè)務(wù)轉(zhuǎn)型提供可借鑒的方案,是一個(gè)亟需解決的問題。本文首先介紹了金融中介理論和融資脫媒的相關(guān)理論,在此基礎(chǔ)上比較分析了美國、英國、日本與我國融資脫媒的發(fā)展現(xiàn)狀,并用相關(guān)數(shù)據(jù)描述了融資脫媒給我國商業(yè)銀行存貸業(yè)務(wù)帶來的影響；再次,選取商業(yè)銀行存款增加量、貸款增加量、信托存款、信托貸款、GDP、股票籌資額、債券發(fā)行額等指標(biāo)數(shù)據(jù),通過構(gòu)建向量自回歸模型,分別從存款業(yè)務(wù)和貸款業(yè)務(wù)兩個(gè)方面實(shí)證分析了融資脫媒給商業(yè)銀行帶來的影響；最后,基于理論分析和實(shí)證分析的結(jié)果,分別從存款業(yè)務(wù)和貸款業(yè)務(wù)兩個(gè)方面對商業(yè)銀行發(fā)展提出了相應(yīng)策略。實(shí)證結(jié)果表明：融資脫媒確實(shí)對我國商業(yè)銀行存款業(yè)務(wù)和貸款業(yè)務(wù)產(chǎn)生了明顯的影響,而且對貸款端的沖擊要大于存款端。但是總的來說,我國的融資脫媒尚處于初級階段,對商業(yè)銀行的影響還比較小,商業(yè)銀行在金融體系中依然處于重要的地位�；诖�,論文認(rèn)為,商業(yè)銀行應(yīng)該細(xì)分客戶,加快理財(cái)產(chǎn)品的創(chuàng)新,拓展融資途徑,注重與非銀行金融機(jī)構(gòu)的合作；貸款業(yè)務(wù)方面,商業(yè)銀行應(yīng)該擴(kuò)展貸款范圍,改善貸款結(jié)構(gòu),大力發(fā)展零售客戶和中小企業(yè)客戶,大力發(fā)展綠色信貸等。本論文的研究將有助于商業(yè)銀行在面對融資脫媒?jīng)_擊時(shí),更好地經(jīng)營存貸款業(yè)務(wù),實(shí)現(xiàn)商業(yè)銀行的可持續(xù)發(fā)展。
[Abstract]:Since 1990 s, with the development of capital market in China, the phenomenon of financing disintermediation emerges as the times require. The emergence of financing disintermediation has caused a great impact on the operation of commercial banks in China and weakened the role of commercial banks in the financial system of our country, which is manifested in the gradual expansion of deposit and loan balance, short-term deposit, long-term loan, increased operating risk and so on. At the same time, China's interest rate marketization and RMB internationalization reform are gradually advancing, which will accelerate the development of financing disintermediation in China, and the impact on commercial banks will also be expanding day by day. Therefore, it is an urgent problem to study the influence of financing disintermediation on the deposit and loan business of commercial banks in China, and to provide a reference scheme for the business transformation of commercial banks. This paper first introduces the theory of financial intermediary and the related theories of financing disintermediation, on the basis of which the development status of financing disintermediation in the United States, Britain, Japan and China is compared and analyzed, and the influence of financing disintermediation on the deposit and loan business of commercial banks in China is described with the relevant data. Thirdly, selecting the index data such as deposit increase, loan increase, trust deposit, trust loan, GDP, stock raising amount, bond issue amount and so on, through constructing vector autoregression model, this paper empirically analyzes the influence of financing disintermediation on commercial banks from two aspects of deposit business and loan business. Finally, based on the results of theoretical analysis and empirical analysis, the corresponding strategies for the development of commercial banks are put forward from two aspects: deposit business and loan business. The empirical results show that financing disintermediation does have an obvious impact on the deposit business and loan business of commercial banks in China, and the impact on the loan side is greater than that on the deposit side. However, in general, the financing disintermediation of our country is still in the primary stage, the impact on commercial banks is still relatively small, commercial banks are still in an important position in the financial system. Based on this, the paper holds that commercial banks should subdivide customers, speed up the innovation of financial products, expand financing channels, and pay attention to cooperation with non-bank financial institutions. In the aspect of loan business, commercial banks should expand the scope of loans, improve the loan structure, vigorously develop retail customers and small and medium-sized enterprise customers, and vigorously develop green credit. The research of this paper will help commercial banks to better manage the deposit and loan business and realize the sustainable development of commercial banks in the face of the impact of financing disintermediation.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2

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