本文選題：上市銀行 + 綜合化經(jīng)營(yíng)��； 參考：《河北大學(xué)》2017年碩士論文

【摘要】：金融租賃作為現(xiàn)代租賃業(yè)的重要組成部分,在豐富融資方式、分散金融風(fēng)險(xiǎn)、服務(wù)實(shí)體經(jīng)濟(jì)方面發(fā)揮著重要作用。我國(guó)金融租賃興起于20世紀(jì)80年代初期,雖然起步晚,發(fā)展過(guò)程曲折,但自2007年3月銀監(jiān)會(huì)頒布了新修訂的《金融租賃公司管理辦法》,允許符合一定條件的商業(yè)銀行設(shè)立金融租賃公司后,金融租賃作為融資租賃業(yè)的重要組成部分獲得了較快發(fā)展。截至2016年9月底,我國(guó)共有55家金融租賃公司,業(yè)務(wù)總量達(dá)1.907萬(wàn)億元,占全國(guó)融資租賃業(yè)務(wù)總量的38.5%。銀行系金融租賃公司的快速發(fā)展對(duì)于提高商業(yè)銀行經(jīng)營(yíng)效益,促進(jìn)商業(yè)銀行戰(zhàn)略轉(zhuǎn)型,完善我國(guó)金融市場(chǎng)體系具有重要意義。本文從我國(guó)金融租賃的發(fā)展歷程和發(fā)展現(xiàn)狀出發(fā),首先對(duì)銀行系金融租賃公司在資金、業(yè)務(wù)協(xié)同、人才技術(shù)、風(fēng)險(xiǎn)管控、租后管理、收益分配及服務(wù)實(shí)體經(jīng)濟(jì)等方面與控股銀行的相互關(guān)系進(jìn)行了闡述,認(rèn)為銀行系金融租賃公司的快速發(fā)展離不開(kāi)控股銀行的支持,控股銀行的綜合化改革也脫離不開(kāi)金融租賃,兩者存在千絲萬(wàn)縷的聯(lián)系。然后以我國(guó)10家上市銀行以及分別由其控股的10家金融租賃公司為分析對(duì)象,運(yùn)用大量數(shù)據(jù)、指標(biāo)分層次分析了金融租賃對(duì)上市銀行經(jīng)營(yíng)業(yè)務(wù)、資產(chǎn)規(guī)模、盈利狀況、資產(chǎn)安全性及服務(wù)實(shí)體經(jīng)濟(jì)的影響,認(rèn)為上市銀行開(kāi)展金融租賃業(yè)務(wù)是上市銀行綜合化改革的重要組成部分,是大勢(shì)所趨。最后基于分析結(jié)果,結(jié)合我國(guó)實(shí)際情況,明確指出了銀行系金融租賃公司在發(fā)展中還存在發(fā)展不平衡、資本補(bǔ)充機(jī)制不完善、發(fā)展路徑狹窄、監(jiān)管體制不合理、專業(yè)管理經(jīng)驗(yàn)和專業(yè)人才匱乏等諸多問(wèn)題,同時(shí)根據(jù)存在的問(wèn)題從優(yōu)化結(jié)構(gòu)、補(bǔ)充資本、拓寬路徑、加強(qiáng)監(jiān)管及注重人才等方面提出了提高上市銀行經(jīng)營(yíng)業(yè)績(jī)的金融租賃發(fā)展對(duì)策。
[Abstract]:As an important part of modern leasing industry, financial leasing plays an important role in enriching financing methods, dispersing financial risks and serving real economy. China's financial leasing began in the early 1980s. Although it started late, the development process was tortuous. However, since the CBRC promulgated the newly revised Financial Leasing Company Management measures in March 2007, allowing commercial banks that meet certain conditions to set up financial leasing companies, financial leasing has developed rapidly as an important part of the financial leasing industry. By the end of September 2016, there were 55 financial leasing companies in China, with a total business volume of 1.907 trillion yuan, accounting for 38.5 percent of the country's total financial leasing business. The rapid development of financial leasing companies plays an important role in improving the operating efficiency of commercial banks, promoting the strategic transformation of commercial banks and perfecting the financial market system of our country. Based on the development history and present situation of financial leasing in China, this paper firstly analyzes the financial leasing companies in the aspects of capital, business cooperation, talent technology, risk control and post-lease management. The relationship between income distribution and service real economy and holding bank is expounded. It is concluded that the rapid development of bank as a financial leasing company can not be separated from the support of holding bank, and the comprehensive reform of holding bank can not be separated from financial lease. The two are inextricably linked. Then taking 10 listed banks in China and 10 financial leasing companies which are controlled by them as the analysis objects, using a large number of data, the paper analyzes the operation, asset scale and profit status of the listed banks by financial leasing in different levels. Because of the influence of asset security and service to the real economy, it is considered that the financial leasing business of listed banks is an important part of the comprehensive reform of listed banks and is the trend of the times. Finally, based on the analysis results, combined with the actual situation of our country, the author points out clearly that the development of banking financial leasing companies is not balanced, the capital supplement mechanism is not perfect, the development path is narrow, and the supervision system is unreasonable. At the same time, according to the existing problems, we should optimize the structure, replenish the capital, widen the path, Strengthening supervision and paying attention to talents and so on, this paper puts forward the development countermeasures of financial leasing to improve the operating performance of listed banks.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.49;F830.42

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本文編號(hào)：1802128