【摘要】：改革開放以來，我國金融領域的改革逐步深入，金融結構不斷優(yōu)化調整。作為金融體系主體的商業(yè)銀行在金融結構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)務都會造成嚴重影響。 論文在闡述金融結構變化的基本特點和未來發(fā)展趨勢基礎的基礎上，從金融機構結構變化、金融市場結構變化以及金融工具結構變化三個方面，深入分析了我國金融結構的變化對商業(yè)銀行的沖擊和影響，包括非銀行金融機構對商業(yè)銀行傳統(tǒng)業(yè)務的沖擊、間接融資方式為主的局面被打破、金融工具結構變化對銀行業(yè)務結構和風險控制帶來新的挑戰(zhàn)、利率市場改變銀行盈利結構等。最后，，論文提出了商業(yè)銀行應對金融結構變化的主要策略，主要包括創(chuàng)新存貸業(yè)務、開展面向其他金融機構的托管業(yè)務、創(chuàng)新投資銀行業(yè)務、發(fā)展網(wǎng)絡金融業(yè)務加強利率風險管理。
[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.
【學位授予單位】：華南理工大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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