本文選題：銀行理財(cái)產(chǎn)品　切入點(diǎn)：宏觀金融過程　出處：《上海金融》2012年04期

【摘要】：銀行理財(cái)產(chǎn)品的發(fā)展對(duì)中國(guó)的宏觀金融過程產(chǎn)生了重要影響。傳統(tǒng)的宏觀金融理論已經(jīng)無法解釋當(dāng)前宏觀金融數(shù)據(jù)的大幅波動(dòng)。本文在研究銀行理財(cái)產(chǎn)品對(duì)銀行資產(chǎn)負(fù)債表影響過程的基礎(chǔ)上,通過分析其他存款性公司資產(chǎn)負(fù)債表的相關(guān)實(shí)證數(shù)據(jù),解釋了銀行理財(cái)產(chǎn)品與宏觀金融數(shù)據(jù)的關(guān)系。在宏觀金融層面,存量角度的銀行理財(cái)產(chǎn)品將過去的間接融資還原為直接融資,增量角度的銀行理財(cái)產(chǎn)品將潛在的間接融資轉(zhuǎn)變成現(xiàn)實(shí)的直接融資。銀行理財(cái)產(chǎn)品的發(fā)展正在改變著中國(guó)的金融結(jié)構(gòu),產(chǎn)生的直接結(jié)果就是貨幣增速的下降,甚至是貨幣絕對(duì)量的下降。
[Abstract]:The development of banking financial products has an important impact on the macro-financial process in China. The traditional macro-financial theory can no longer explain the large fluctuations of the current macro-financial data. This paper is studying the impact of banking financial products on banks. Based on the balance sheet impact process, By analyzing the relevant empirical data of the balance sheets of other depository companies, this paper explains the relationship between bank financial products and macro-financial data. Bank financial products from a stock perspective restore past indirect financing to direct financing. Incremental banking financial products turn potential indirect financing into real direct financing. The development of banking financial products is changing China's financial structure, and the direct result is a decline in the growth rate of money. Even a drop in the absolute amount of money.
【作者單位】： 中國(guó)社會(huì)科學(xué)院;上海對(duì)外貿(mào)易學(xué)院金融學(xué)院;
【分類號(hào)】：F832.2

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