【摘要】：改革開放以來，我國金融領(lǐng)域的改革逐步深入，金融結(jié)構(gòu)不斷優(yōu)化調(diào)整。作為金融體系主體的商業(yè)銀行在金融結(jié)構(gòu)變化下面臨著越來越大的沖擊和影響。成熟和健全的資本市場和貨幣市場會抽取一部分社會存量資金，導(dǎo)致以商業(yè)銀行為主體間接融資系統(tǒng)的資金量降低，對商業(yè)銀行的貸款和存款業(yè)務(wù)都會造成嚴(yán)重影響。 論文在闡述金融結(jié)構(gòu)變化的基本特點和未來發(fā)展趨勢基礎(chǔ)的基礎(chǔ)上，從金融機構(gòu)結(jié)構(gòu)變化、金融市場結(jié)構(gòu)變化以及金融工具結(jié)構(gòu)變化三個方面，深入分析了我國金融結(jié)構(gòu)的變化對商業(yè)銀行的沖擊和影響，包括非銀行金融機構(gòu)對商業(yè)銀行傳統(tǒng)業(yè)務(wù)的沖擊、間接融資方式為主的局面被打破、金融工具結(jié)構(gòu)變化對銀行業(yè)務(wù)結(jié)構(gòu)和風(fēng)險控制帶來新的挑戰(zhàn)、利率市場改變銀行盈利結(jié)構(gòu)等。最后，，論文提出了商業(yè)銀行應(yīng)對金融結(jié)構(gòu)變化的主要策略，主要包括創(chuàng)新存貸業(yè)務(wù)、開展面向其他金融機構(gòu)的托管業(yè)務(wù)、創(chuàng)新投資銀行業(yè)務(wù)、發(fā)展網(wǎng)絡(luò)金融業(yè)務(wù)加強利率風(fēng)險管理。
[Abstract]:Since the reform and opening up, China's financial sector reform has gradually deepened, the financial structure has been optimized and adjusted. As the main body of financial system, commercial banks are facing more and more impact under the change of financial structure. Mature and sound capital market and money market will draw some of the social stock funds, which will lead to the reduction of the amount of the indirect financing system with commercial banks as the main body, which will have a serious impact on the loan and deposit business of commercial banks. On the basis of expounding the basic characteristics of the change of financial structure and the basis of the future development trend, the paper discusses the structural changes of financial institutions, the structural changes of financial markets and the structural changes of financial instruments. This paper deeply analyzes the impact and influence of the change of financial structure on commercial banks, including the impact of non-bank financial institutions on the traditional business of commercial banks, and the situation that indirect financing is dominant. The change of financial instruments structure brings new challenges to the banking business structure and risk control, and the interest rate market changes the profit structure of banks. Finally, the paper puts forward the main strategies for commercial banks to deal with the changes in financial structure, including innovative deposit and loan business, the development of other financial institutions for the custody business, innovative investment banking business. Develop network finance business to strengthen interest rate risk management.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33

【參考文獻】

相關(guān)期刊論文 前10條

1 馬勇;;金融結(jié)構(gòu)、銀行發(fā)展與經(jīng)濟增長[J];財經(jīng)科學(xué);2010年02期

2 姜維俊;中國金融結(jié)構(gòu)分析(下)[J];財貿(mào)經(jīng)濟;1999年06期

3 李吉平,陳民,唐克定;西方國家的批發(fā)銀行與批發(fā)銀行業(yè)務(wù)[J];城市金融論壇;2000年07期

4 孫伍琴;關(guān)于金融結(jié)構(gòu)比較分析理論框架的設(shè)計思路[J];金融論壇;2003年04期

5 何昌;;發(fā)達國家金融結(jié)構(gòu)演變的新趨勢及其借鑒意義[J];金融論壇;2006年04期

6 陳剛;馮艷;楊亮;;中國銀行業(yè)結(jié)構(gòu)變遷與經(jīng)濟增長的實證研究[J];金融論壇;2008年10期

7 何曉夏;章林;;中國區(qū)域金融結(jié)構(gòu)差異研究[J];金融論壇;2010年01期

8 姜炳麟;李梅;;金融結(jié)構(gòu)與技術(shù)創(chuàng)新[J];產(chǎn)業(yè)與科技論壇;2006年06期

9 楊大楷,韓其成;民營企業(yè)商業(yè)信貸配給與相應(yīng)信用擔(dān)保體系完善[J];財政研究;2003年07期

10 張宜琪;;我國金融結(jié)構(gòu)調(diào)整的思路探析[J];東北師大學(xué)報;2006年04期

本文編號：2257851