本文選題：金融脫媒 + 商業(yè)銀行　； 參考：《吉林財經(jīng)大學(xué)》2017年碩士論文

【摘要】：金融脫媒是指資金需求者繞開金融機構(gòu)直接從資金供應(yīng)者手中獲取資金的現(xiàn)象,最早出現(xiàn)在20世紀(jì)60年代的美國,存款利率存在上限管制,導(dǎo)致大量的存款流失,資金轉(zhuǎn)而投向收益更高的資本市場,經(jīng)過長達(dá)半個世紀(jì)的發(fā)展,金融脫媒逐步成為國內(nèi)外金融板塊的產(chǎn)物和世界經(jīng)濟格局的主流,在金融脫媒的背景下,各國商業(yè)銀行都進(jìn)行自身業(yè)務(wù)模式的創(chuàng)新。目前有關(guān)金融脫媒背景下中國商業(yè)銀行如何進(jìn)行資產(chǎn)管理方面的的研究比較少,國內(nèi)外研究局限于在金融脫媒的背景下商業(yè)銀行如何應(yīng)對,并沒有明確說明商業(yè)銀行資產(chǎn)管理如何進(jìn)行優(yōu)化組合。本文在借鑒外國商業(yè)銀行資產(chǎn)管理經(jīng)驗的基礎(chǔ)上,總結(jié)自身存在的不足,指出在全球資產(chǎn)管理規(guī)模飛速增長的今天,隨著我國金融改革不斷深化,加強商業(yè)銀行資產(chǎn)管理勢在必行。本文分別運用系統(tǒng)研究法、文獻(xiàn)研究法、案例分析法與比較分析法,以金融脫媒與資產(chǎn)管理為研究主線,首先闡述了金融脫媒的發(fā)展歷程,分析金融脫媒下商業(yè)銀行資產(chǎn)管理的現(xiàn)狀;此后探討了金融脫媒對中國商業(yè)銀行資產(chǎn)管理的影響,并通過對國外商業(yè)銀行在金融脫媒的背景下資產(chǎn)管理的實踐進(jìn)行對比,找出差距所在的渠道,總結(jié)值得借鑒的經(jīng)驗;最后提出在金融脫媒背景下,我國商業(yè)銀行資產(chǎn)管理在產(chǎn)品、業(yè)務(wù)、服務(wù)等方面的創(chuàng)新思考。本文的創(chuàng)新之處通過三個方面體現(xiàn)出來的:首先,本文通過對美國、日本、印度等國的商業(yè)銀行資產(chǎn)管理進(jìn)行比較分析,得出中國商業(yè)銀行資產(chǎn)管理應(yīng)該在哪些方面進(jìn)行創(chuàng)新。其次,本文通過定性分析,對商業(yè)銀行資產(chǎn)智能化、數(shù)字化及KYP金融服務(wù)新型模式進(jìn)行創(chuàng)新研究,構(gòu)建我國商業(yè)銀行資產(chǎn)產(chǎn)品、業(yè)務(wù)與服務(wù)管理的多元化創(chuàng)新模式。最后,本文通過設(shè)計線上與線下資產(chǎn)管理的融合創(chuàng)新模式,實現(xiàn)資金供需雙方有效聯(lián)通,擴寬資產(chǎn)渠道,降低資產(chǎn)成本,提升資產(chǎn)管理質(zhì)量。
[Abstract]:Financial disintermediation refers to the phenomenon that money demanders bypass financial institutions to obtain funds directly from fund suppliers. It first appeared in the United States in the 1960s, where there is a cap on deposit interest rates, which results in a large amount of deposits being lost. After half a century of development, financial disintermediation has gradually become the product of domestic and foreign financial plates and the mainstream of the world economic pattern. Under the background of financial disintermediation, Commercial banks all over the world are innovating their own business models. At present, there are few studies on how Chinese commercial banks carry out asset management in the context of financial disintermediation. Domestic and foreign studies are limited to how commercial banks deal with it in the context of financial disintermediation. There is no clear explanation of how to optimize the portfolio of commercial bank asset management. Based on the experience of foreign commercial banks' asset management, this paper sums up their shortcomings and points out that with the rapid growth of global asset management scale, with the deepening of China's financial reform, It is imperative to strengthen the asset management of commercial banks. This paper uses system research, literature research, case analysis and comparative analysis, taking financial disintermediation and asset management as the main line of study, first of all, it expounds the development of financial disintermediation. This paper analyzes the current situation of asset management of commercial banks under financial disintermediation, then discusses the influence of financial disintermediation on asset management of Chinese commercial banks, and compares the practices of foreign commercial banks in asset management under the background of financial disintermediation. Find out the channel where the gap lies, sum up the experience that is worth using for reference; at last, put forward the innovative thinking of asset management of our commercial bank in product, business, service and so on under the background of financial disintermediation. The innovation of this paper is reflected in three aspects: first, through the comparative analysis of the asset management of commercial banks in the United States, Japan, India and other countries, we can find out which aspects of asset management of Chinese commercial banks should be innovated. Secondly, through qualitative analysis, this paper innovates the new model of intelligent, digitized and KYP financial service of commercial bank, and constructs the diversified innovation mode of asset product, business and service management of commercial bank in China. Finally, by designing the innovative model of online and offline asset management, the paper realizes the effective connection between supply and demand of capital, broadens the asset channel, reduces the asset cost, and improves the quality of asset management.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33;F830.42

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