本文關(guān)鍵詞： 商業(yè)銀行 投貸聯(lián)動 模式比較 風(fēng)險管理　出處：《安徽大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：我國經(jīng)濟呈現(xiàn)"新常態(tài)",經(jīng)濟換擋進入中高速發(fā)展時期,經(jīng)濟下行,使得企業(yè)經(jīng)營效益下降,企業(yè)信用債違約增加,這將對銀行信貸資產(chǎn)質(zhì)量產(chǎn)生不利影響。面對這種情況,銀行必須探索新的模式,降低信貸風(fēng)險敞口。互聯(lián)網(wǎng)金融的產(chǎn)生和發(fā)展不僅弱化了商業(yè)銀行的支付功能,而且加速了商業(yè)銀行的金融脫媒,這也促使商業(yè)銀行進行業(yè)務(wù)創(chuàng)新,以謀求更好更長遠(yuǎn)的發(fā)展。國家實施創(chuàng)新驅(qū)動發(fā)展戰(zhàn)略,大力推進"大眾創(chuàng)業(yè)萬眾創(chuàng)新",涌現(xiàn)出大量的科創(chuàng)企業(yè),但由于科創(chuàng)企業(yè)輕資產(chǎn)高風(fēng)險未來發(fā)展不確定性的特點導(dǎo)致其融資困難。為發(fā)揮銀行業(yè)金融機構(gòu)對科創(chuàng)企業(yè)發(fā)展的作用,銀監(jiān)會等鼓勵和指導(dǎo)銀行業(yè)金融機構(gòu)嘗試開展投貸聯(lián)動業(yè)務(wù)。供給側(cè)結(jié)構(gòu)性改革也為商業(yè)銀行經(jīng)營發(fā)展帶來了新機遇,通過對科創(chuàng)企業(yè)開展投貸聯(lián)動業(yè)務(wù),抓住信貸和投資業(yè)務(wù)的新機遇,實現(xiàn)自身的轉(zhuǎn)型。本文通過對我國商業(yè)銀行投貸聯(lián)動業(yè)務(wù)發(fā)展的SWOT分析、模式分析和開展投貸聯(lián)動業(yè)務(wù)案例的分析,找出目前我國商業(yè)銀行投貸聯(lián)動業(yè)務(wù)發(fā)展中存在的問題,并提出對策,以促進我國商業(yè)銀行投貸聯(lián)動業(yè)務(wù)健康持續(xù)發(fā)展。本文通過文獻綜述研究法簡單介紹了目前商業(yè)銀行投貸聯(lián)動業(yè)務(wù)模式以及監(jiān)管等理論方面的研究成果,為本文對我國商業(yè)銀行投貸聯(lián)動業(yè)務(wù)發(fā)展研究做好鋪墊;運用對比分析法對我國商業(yè)銀行投貸聯(lián)動業(yè)務(wù)發(fā)展的模式中各自的優(yōu)勢和不足進行對比,得出我國商業(yè)銀行通過設(shè)立投資支行和科技金融專營支行開展投貸聯(lián)動業(yè)務(wù)是正統(tǒng)、終極模式,同時我國商業(yè)銀行投貸聯(lián)動業(yè)務(wù)的發(fā)展需要根據(jù)銀行自身的情況選擇投貸聯(lián)動模式,對于風(fēng)險承受能力強的銀行應(yīng)該把內(nèi)外部投貸聯(lián)動模式結(jié)合,更好的發(fā)揮投貸聯(lián)動不同模式各自的優(yōu)勢;風(fēng)險承受能力弱的銀行嘗試投貸聯(lián)動業(yè)務(wù)可以選擇與風(fēng)險投資機構(gòu)或者與其他企業(yè)建立投資基金的模式開展;通過案例分析法將不同模式的結(jié)合融入到設(shè)計的案例中,展示了一個完整的流程,并分析當(dāng)前我國商業(yè)銀行投貸聯(lián)動業(yè)務(wù)發(fā)展面臨的問題,并針對銀行開展投貸聯(lián)動業(yè)務(wù)的劣勢和當(dāng)前面臨的問題提出對策。
[Abstract]:The economy of our country presents "the new normal", the economic shift enters the period of high speed development, the economy goes down, causes the enterprise to operate the benefit to fall, the enterprise credit debt defaults the increase. This will have a negative impact on the quality of bank credit assets. Faced with this situation, banks must explore new models. The emergence and development of Internet finance not only weakens the payment function of commercial banks, but also accelerates the financial disintermediation of commercial banks, which also promotes the business innovation of commercial banks. In order to seek for better and more long-term development, the state implements the strategy of innovation-driven development, vigorously promotes the "masses of entrepreneurial innovation", and emerges a large number of innovative enterprises. However, because of the uncertain characteristics of the future development of Kechong enterprise with light assets and high risk, it is difficult to finance it, so as to give full play to the role of banking financial institutions in the development of Kechong enterprise. The CBRC encourages and instructs banking financial institutions to try to carry out joint investment and loan business. The supply-side structural reform also brings new opportunities for the development of commercial banks. Seize the new opportunities of credit and investment business to realize their own transformation. This paper analyzes the development of the joint investment and loan business of commercial banks in China through SWOT analysis model analysis and analysis of the case of joint investment and loan business. This paper finds out the problems existing in the development of the joint investment and loan business of commercial banks in China, and puts forward some countermeasures. In order to promote the healthy and sustainable development of China's commercial banks' investment and loan linkage business, this paper briefly introduces the current commercial bank investment and loan linkage business model and supervision and other theoretical research results through literature review. This paper lays the groundwork for the research on the development of the joint investment and loan business of commercial banks in China. The comparative analysis method is used to compare the advantages and disadvantages of commercial banks in the mode of development of investment and loan linkage business in our country. It is the orthodox and ultimate mode for China's commercial banks to set up investment branches and specialized branches of science and technology finance to carry out the joint investment and loan business. At the same time, the development of Chinese commercial banks' investment and loan linkage business needs to choose the investment and loan linkage mode according to the bank's own situation, and the banks with strong risk bearing ability should combine the internal and external investment and loan linkage mode. Better play the respective advantages of different modes of investment and loan linkage; Banks with weak risk bearing ability can choose the mode of establishing investment funds with venture capital institutions or with other enterprises. Through the method of case analysis, the paper integrates different models into the design case, shows a complete process, and analyzes the problems facing the development of the joint investment and loan business of commercial banks in our country. At the same time, the paper puts forward the countermeasures against the disadvantages and problems that banks face in carrying out the joint investment and lending business.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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