發(fā)布時(shí)間：2018-04-24 21:55

  本文選題：金融脫媒 + 商業(yè)銀行�。� 參考：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文

【摘要】：金融脫媒又稱“金融非中介化”,是指隨著經(jīng)濟(jì)金融化、金融市場(chǎng)化進(jìn)程的加快,資金的供求雙方繞開(kāi)金融中介直接進(jìn)行資金融通的現(xiàn)象。自20世紀(jì)60年代在美國(guó)出現(xiàn)以來(lái),已經(jīng)對(duì)商業(yè)銀行傳統(tǒng)經(jīng)營(yíng)模式造成極大的沖擊。商業(yè)銀行為應(yīng)對(duì)挑戰(zhàn),不斷創(chuàng)新產(chǎn)品,探索新的業(yè)務(wù)領(lǐng)域,改組自身結(jié)構(gòu)。通過(guò)半個(gè)世紀(jì)的變革,美國(guó)等西方發(fā)達(dá)國(guó)家商業(yè)銀行成功應(yīng)對(duì)金融脫媒造成的威脅,同時(shí)資本市場(chǎng)、貨幣市場(chǎng)在金融脫媒效應(yīng)影響下獲得了充分發(fā)展,建立了完善的金融體系,實(shí)現(xiàn)了銀行和金融市場(chǎng)功能的競(jìng)爭(zhēng)與互補(bǔ),最終促進(jìn)西方世界經(jīng)濟(jì)健康快速發(fā)展。 改革開(kāi)放30多年來(lái),資本市場(chǎng)的發(fā)展及經(jīng)濟(jì)金融體制的改革,正改變著我國(guó)銀行的經(jīng)營(yíng)環(huán)境,傳統(tǒng)意義上的銀行媒介作用被弱化,金融脫媒態(tài)勢(shì)日益顯現(xiàn),因此借鑒西方發(fā)達(dá)國(guó)家經(jīng)驗(yàn),研究應(yīng)對(duì)金融脫媒的對(duì)策,抓住脫媒這一契機(jī),實(shí)現(xiàn)我國(guó)銀行乃至金融體系的不斷發(fā)展和完善已經(jīng)成為當(dāng)務(wù)之急。 本文在充分總結(jié)前人成果的基礎(chǔ)上主要分為以下三個(gè)步驟進(jìn)行探討：首先,從理論上全面梳理金融脫媒的產(chǎn)生和作用機(jī)制,奠定全文的理論基礎(chǔ)；其次,分析我國(guó)金融脫媒的現(xiàn)狀及動(dòng)因；運(yùn)用適當(dāng)?shù)牧炕Ｐ蛯?duì)金融脫媒趨勢(shì)進(jìn)行分析,明確金融脫媒對(duì)商業(yè)銀行的影響程度；最后,借鑒發(fā)達(dá)國(guó)家商業(yè)銀行應(yīng)對(duì)金融脫媒的經(jīng)驗(yàn),結(jié)合我國(guó)實(shí)際從金融功能觀的視角為商業(yè)銀行經(jīng)營(yíng)模式的合理轉(zhuǎn)變提供意見(jiàn)和建議。
[Abstract]:Financial disintermediation, also known as "financial disintermediation", refers to the phenomenon that the supply and demand of funds circumvent the financial intermediation and direct financing with the acceleration of the process of economic finance and financial marketization. Since it appeared in the United States in 1960's, it has made a great impact on the traditional business model of commercial banks. In order to meet the challenges, commercial banks constantly innovate their products, explore new business areas and restructure their own structures. After half a century of reform, commercial banks in the United States and other western developed countries have successfully responded to the threat posed by financial disintermediation. Meanwhile, the capital markets and money markets have been fully developed under the influence of financial disintermediation effects, and a sound financial system has been established. It realizes the competition and complementation of the functions of banks and financial markets, and finally promotes the healthy and rapid development of the western world economy. Since the reform and opening up for more than 30 years, the development of capital market and the reform of economic and financial system are changing the operating environment of our country's banks. In the traditional sense, the role of bank media has been weakened, and the situation of financial disintermediation is becoming increasingly apparent. Therefore, it is urgent to learn from the experience of western developed countries, to study the countermeasures against financial disintermediation, to seize the opportunity of disintermediation, and to realize the continuous development and perfection of our banks and even the financial system. On the basis of summing up the previous achievements, this paper is divided into the following three steps: firstly, the theoretical basis of the full text is established by comprehensively combing the generation and mechanism of financial disintermediation in theory. Analyze the current situation and motivation of financial disintermediation in China; use appropriate quantitative model to analyze the trend of financial disintermediation and clarify the influence of financial disintermediation on commercial banks; finally, draw lessons from the experiences of commercial banks in developed countries in dealing with financial disintermediation. From the angle of view of financial function, this paper provides advice and suggestions for the rational transformation of commercial bank's management mode.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33;F832.5

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 張中華;;金融脫媒對(duì)我國(guó)商業(yè)銀行的影響及其對(duì)策[J];時(shí)代經(jīng)貿(mào);2017年19期

相關(guān)碩士學(xué)位論文 前2條

1 孟佳琪;我國(guó)商業(yè)銀行國(guó)際化經(jīng)營(yíng)的風(fēng)險(xiǎn)問(wèn)題研究[D];天津商業(yè)大學(xué);2016年

2 李娜;金融脫媒對(duì)商業(yè)銀行影響研究[D];內(nèi)蒙古大學(xué);2015年

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本文編號(hào)：1798413