金融脫媒及其對(duì)商業(yè)銀行盈利影響的實(shí)證分析
發(fā)布時(shí)間：2018-07-20 14:22
【摘要】：“金融脫媒”這一新興術(shù)語最早出現(xiàn)在美國。20世紀(jì)60年代,美國為了扭轉(zhuǎn)國際交易的逆差,擺脫高失業(yè)率,頒布了“Q條例”�！癚條例”對(duì)銀行存款利率設(shè)置上限,它的實(shí)施促使資金脫離銀行這一中介機(jī)構(gòu),金融脫媒由此出現(xiàn)。隨著我國資本市場和經(jīng)濟(jì)的不斷發(fā)展完善,我國的資金也出現(xiàn)了繞開銀行進(jìn)行體制外流通的金融脫媒現(xiàn)象。通過對(duì)金融脫媒在我國的發(fā)展現(xiàn)狀分析,認(rèn)為金融脫媒在我國的發(fā)展仍然是一種長期的趨勢。金融脫媒不僅會(huì)對(duì)銀行業(yè)的存貸款產(chǎn)生嚴(yán)重的沖擊,造成銀行業(yè)的流動(dòng)性短缺,同時(shí)也為我國商業(yè)銀行進(jìn)行轉(zhuǎn)型提供了相應(yīng)的條件。我國銀行業(yè),一方面要順應(yīng)金融市場的發(fā)展趨勢,加快傳統(tǒng)業(yè)務(wù)的轉(zhuǎn)型和調(diào)整；另一方面,銀行業(yè)要提高創(chuàng)新能力,以應(yīng)對(duì)金融脫媒帶來的負(fù)面影響。 本文在現(xiàn)有研究成果的基礎(chǔ)上,結(jié)合我國的實(shí)際情況,形成以下研究思路。1)本文選擇合適的公式,采用國際通用的資產(chǎn)中介化率指標(biāo)和負(fù)債中介化率指標(biāo),選擇2003年至2011年九年的數(shù)據(jù),對(duì)脫媒進(jìn)行了量化,通過核算的結(jié)果來具體分析我國金融脫媒的主要表現(xiàn)形式,在分析的過程中還加入了金融脫媒的逆轉(zhuǎn)化分析；2)本文對(duì)脫媒概念進(jìn)行界定,考慮到互聯(lián)網(wǎng)金融的發(fā)展也會(huì)引起脫媒這一現(xiàn)象,因此本文將金融脫媒的指標(biāo)細(xì)化為資產(chǎn)方脫媒、負(fù)債方脫媒和技術(shù)性脫媒,在此基礎(chǔ)上對(duì)中國現(xiàn)階段脫媒的發(fā)展現(xiàn)狀進(jìn)行分析,并結(jié)合這些特點(diǎn)進(jìn)行了必要的原因分析；3)本文詳細(xì)的論述了金融脫媒對(duì)我國商業(yè)銀行存貸款和盈利能力的影響,本文的核心內(nèi)容是將金融脫媒對(duì)商業(yè)銀行盈利能力的影響進(jìn)行了實(shí)證分析；4)通過上述的現(xiàn)狀分析、實(shí)證分析,結(jié)合我國銀行業(yè)發(fā)展的具體情況得出文章的結(jié)論,并形成相應(yīng)的政策建議。 由于金融脫媒會(huì)對(duì)存貸款產(chǎn)生沖擊,本文提出銀行應(yīng)該轉(zhuǎn)變經(jīng)營理念,不應(yīng)只關(guān)注存貸款,而應(yīng)該提供更有針對(duì)性的增值服務(wù)。實(shí)證結(jié)果表明金融脫媒會(huì)對(duì)銀行的盈利能力產(chǎn)生沖擊,本文提出應(yīng)該創(chuàng)新資產(chǎn)業(yè)務(wù)、負(fù)債業(yè)務(wù)和中間業(yè)務(wù)等來保持盈利能力的增長。從前文對(duì)技術(shù)性脫媒的分析,本文還提出應(yīng)該大力發(fā)展電子銀行業(yè)務(wù)來應(yīng)對(duì)技術(shù)脫媒。通過本文的研究,希望能夠找到商業(yè)銀行盈利能力的創(chuàng)新點(diǎn),從而最大程度上減少金融脫媒對(duì)銀行業(yè)產(chǎn)生的沖擊
[Abstract]:The new term "financial disintermediation" first appeared in the United States in the 1960s. In order to reverse the deficit in international transactions and get rid of the high unemployment rate, the United States promulgated "Q regulations," which set a cap on the interest rates on bank deposits. Its implementation causes the capital to leave the bank this intermediary organization, the financial disintermediation appears thereby. With the continuous development of the capital market and economy in our country, the financial disintermediation phenomenon which bypasses the banks to carry on the circulation outside the system has also appeared in our country. Based on the analysis of the current situation of financial disintermediation in China, it is considered that the development of financial disintermediation in China is still a long-term trend. Financial disintermediation will not only have a serious impact on the banking deposits and loans, resulting in a shortage of liquidity in the banking sector, but also provide the corresponding conditions for the transformation of commercial banks in China. On the one hand, China's banking industry should adapt to the development trend of financial market and accelerate the transformation and adjustment of traditional business; on the other hand, the banking industry should improve its innovation ability in order to cope with the negative impact brought by financial disintermediation. On the basis of the existing research results, combined with the actual situation in China, this paper forms the following research ideas. 1) this paper selects the appropriate formula, adopts the international common asset intermediation rate index and the liability intermediation rate index. Selecting the data from 2003 to 2011, the paper quantifies the disintermediation, analyzes the main forms of financial disintermediation in China through the results of accounting, and adds the reverse analysis of financial disintermediation in the process of analysis. 2) this paper defines the concept of disintermediation, considering that the development of Internet finance will also lead to the phenomenon of disintermediation, so the index of financial disintermediation is classified as asset-side disintermediation, debt-side disintermediation and technical disintermediation. On this basis, this paper analyzes the current development situation of disintermediation in China, and analyzes the necessary reasons combined with these characteristics. 3) this paper discusses in detail the influence of financial disintermediation on the deposit, loan and profitability of commercial banks in China. The core content of this paper is to analyze the impact of financial disintermediation on the profitability of commercial banks. 4) through the above analysis of the current situation, empirical analysis, combined with the specific situation of the development of the banking industry in China to draw the conclusion of the article. And form the corresponding policy recommendations. Since financial disintermediation will have an impact on deposits and loans, this paper suggests that banks should change their business philosophy and should not only pay attention to deposits and loans, but also provide more targeted value-added services. The empirical results show that financial disintermediation will have an impact on the profitability of banks. This paper proposes that we should innovate asset business, liability business and intermediate business to maintain the growth of profitability. From the previous analysis of technical disintermediation, this paper also puts forward that we should develop electronic banking business to deal with technical disintermediation. Through the research of this paper, we hope to find the innovation point of commercial banks' profitability, so as to minimize the impact of financial disintermediation on the banking industry.
【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】：2014
【分類號(hào)】：F832.33;F832.2
本文編號(hào)：2133818
[Abstract]:The new term "financial disintermediation" first appeared in the United States in the 1960s. In order to reverse the deficit in international transactions and get rid of the high unemployment rate, the United States promulgated "Q regulations," which set a cap on the interest rates on bank deposits. Its implementation causes the capital to leave the bank this intermediary organization, the financial disintermediation appears thereby. With the continuous development of the capital market and economy in our country, the financial disintermediation phenomenon which bypasses the banks to carry on the circulation outside the system has also appeared in our country. Based on the analysis of the current situation of financial disintermediation in China, it is considered that the development of financial disintermediation in China is still a long-term trend. Financial disintermediation will not only have a serious impact on the banking deposits and loans, resulting in a shortage of liquidity in the banking sector, but also provide the corresponding conditions for the transformation of commercial banks in China. On the one hand, China's banking industry should adapt to the development trend of financial market and accelerate the transformation and adjustment of traditional business; on the other hand, the banking industry should improve its innovation ability in order to cope with the negative impact brought by financial disintermediation. On the basis of the existing research results, combined with the actual situation in China, this paper forms the following research ideas. 1) this paper selects the appropriate formula, adopts the international common asset intermediation rate index and the liability intermediation rate index. Selecting the data from 2003 to 2011, the paper quantifies the disintermediation, analyzes the main forms of financial disintermediation in China through the results of accounting, and adds the reverse analysis of financial disintermediation in the process of analysis. 2) this paper defines the concept of disintermediation, considering that the development of Internet finance will also lead to the phenomenon of disintermediation, so the index of financial disintermediation is classified as asset-side disintermediation, debt-side disintermediation and technical disintermediation. On this basis, this paper analyzes the current development situation of disintermediation in China, and analyzes the necessary reasons combined with these characteristics. 3) this paper discusses in detail the influence of financial disintermediation on the deposit, loan and profitability of commercial banks in China. The core content of this paper is to analyze the impact of financial disintermediation on the profitability of commercial banks. 4) through the above analysis of the current situation, empirical analysis, combined with the specific situation of the development of the banking industry in China to draw the conclusion of the article. And form the corresponding policy recommendations. Since financial disintermediation will have an impact on deposits and loans, this paper suggests that banks should change their business philosophy and should not only pay attention to deposits and loans, but also provide more targeted value-added services. The empirical results show that financial disintermediation will have an impact on the profitability of banks. This paper proposes that we should innovate asset business, liability business and intermediate business to maintain the growth of profitability. From the previous analysis of technical disintermediation, this paper also puts forward that we should develop electronic banking business to deal with technical disintermediation. Through the research of this paper, we hope to find the innovation point of commercial banks' profitability, so as to minimize the impact of financial disintermediation on the banking industry.
【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】：2014
【分類號(hào)】：F832.33;F832.2
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