本文選題：文化產(chǎn)業(yè)　切入點(diǎn)：商業(yè)銀行　出處：《河北大學(xué)》2013年碩士論文

【摘要】：金融危機(jī)對(duì)世界經(jīng)濟(jì)的重創(chuàng)遠(yuǎn)未消除，我國(guó)快速發(fā)展的經(jīng)濟(jì)形勢(shì)也因此受到遏制。在經(jīng)濟(jì)狀況普遍不景氣的市場(chǎng)氛圍下，文化產(chǎn)業(yè)以其逆經(jīng)濟(jì)周期的強(qiáng)大優(yōu)勢(shì)迅速發(fā)展起來(lái)。雖然我國(guó)在制定促進(jìn)文化產(chǎn)業(yè)發(fā)展政策的工作上取得了不少成績(jī)，但是文化產(chǎn)業(yè)在迅速發(fā)展的過(guò)程中依然陷入了嚴(yán)重的融資困境。我國(guó)資本市場(chǎng)與西方國(guó)家相比還不夠發(fā)達(dá)，風(fēng)險(xiǎn)投資等直接投資模式也不夠成熟，商業(yè)銀行為文化產(chǎn)業(yè)提供間接融資的渠道顯得尤為重要。隨著商業(yè)銀行競(jìng)爭(zhēng)的日益激烈，文化產(chǎn)業(yè)發(fā)展提出的資金需求給予了商業(yè)銀行一次發(fā)展創(chuàng)新、拓展業(yè)務(wù)的大好機(jī)會(huì)。合理正確的選擇能夠成為潛在客戶(hù)的文化企業(yè)是擺在商業(yè)銀行面前的一條必經(jīng)之路。 本文從微觀層面出發(fā)，利用風(fēng)險(xiǎn)投資領(lǐng)域的實(shí)物期權(quán)思想和方法，探討解決商業(yè)銀行對(duì)文化產(chǎn)業(yè)的貸款評(píng)估問(wèn)題，研究了運(yùn)用二叉樹(shù)方法的多階段實(shí)物期權(quán)模型在商業(yè)銀行貸款決策中的運(yùn)用。文章首先回顧了貸款決策以及實(shí)物期權(quán)的國(guó)內(nèi)外研究成果，從文化產(chǎn)業(yè)自身因素以及傳統(tǒng)貸款決策方法存在的局限性出發(fā)，揭示了文化產(chǎn)業(yè)融資難的現(xiàn)實(shí)原因，進(jìn)而將實(shí)物期權(quán)的概念引入到銀行貸款決策過(guò)程中，通過(guò)研究實(shí)物期權(quán)的基礎(chǔ)理論，，分析了多階段實(shí)物期權(quán)模型應(yīng)用于文化產(chǎn)業(yè)貸款決策的可行性，改進(jìn)了文化產(chǎn)業(yè)的貸款決策，提出了相適應(yīng)的方法和流程。最后，通過(guò)案例分析，在將多階段實(shí)物期權(quán)方法和傳統(tǒng)NPV法的差異作比較后，確認(rèn)了文化產(chǎn)業(yè)的期權(quán)價(jià)值在貸款決策中的不可忽視性，并從貸款管理、防范信用風(fēng)險(xiǎn)等角度對(duì)文化產(chǎn)業(yè)貸款提出了相應(yīng)的對(duì)策建議。
[Abstract]:The financial crisis has done a great deal to the world economy, and the rapid development of our country's economic situation has also been contained. In a market atmosphere of general economic depression, The cultural industry has developed rapidly because of its strong advantage against the economic cycle. Although China has made a lot of achievements in formulating policies to promote the development of cultural industries, However, the cultural industry is still in a serious financing dilemma in the process of rapid development. Compared with the western countries, the capital market of our country is not developed enough, and the mode of direct investment, such as venture capital investment, is not mature enough. It is particularly important for commercial banks to provide indirect financing channels for the cultural industry. With the increasing competition of commercial banks, the capital demand put forward by the development of cultural industry has given commercial banks a new development and innovation. A reasonable and correct choice of cultural enterprises that can become potential customers is the only way for commercial banks to develop their business. In this paper, from the micro level, using the real option ideas and methods in the field of venture capital, this paper discusses how to solve the problem of commercial banks' loan evaluation to the cultural industry. This paper studies the application of multi-stage real option model using binary tree method in loan decision making of commercial banks. Firstly, the paper reviews the domestic and foreign research results of loan decision and real options. Starting from the cultural industry's own factors and the limitations of the traditional loan decision-making methods, this paper reveals the practical reasons for the financing difficulties in the cultural industry, and then introduces the concept of real option into the bank loan decision-making process. By studying the basic theory of real option, this paper analyzes the feasibility of applying multi-stage real option model to the loan decision of cultural industry, improves the loan decision of cultural industry, and puts forward the appropriate method and flow. Through the case study, after comparing the difference between the multi-stage real option method and the traditional NPV method, the paper confirms the value of the cultural industry option can not be ignored in the loan decision-making, and from the loan management, From the angle of preventing credit risk, the author puts forward corresponding countermeasures and suggestions to cultural industry loan.
【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】：2013
【分類(lèi)號(hào)】：F832.4;G124

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