發(fā)布時間：2018-04-12 09:49

  本文選題：商業(yè)銀行 + 信貸集中　； 參考：《首都經(jīng)濟貿(mào)易大學》2013年碩士論文

【摘要】：隨著金融改革腳步的日趨邁進，，銀行商業(yè)化和市場化發(fā)展蓬勃興旺，但隨之而來，金融市場上的信貸集中也日趨的明顯。 從短期來看，正是因為各類金融機構(gòu)有能力自動根據(jù)市場上的經(jīng)濟運作規(guī)律和經(jīng)濟運行機制進行經(jīng)濟發(fā)展，所以信貸集中的形成是必然的，信貸集中也不完全是弊端，它體現(xiàn)了國家經(jīng)濟政策或行業(yè)政策的導向，對我國經(jīng)濟發(fā)展有巨大的推動作用。然而，從長期來看，信貸集中最大的危害就是，信貸的過度集中，會使得資金的風險加大，一但出現(xiàn)不利因素，給我國經(jīng)濟和金融市場造成的打擊是不可預計的。信貸之所以集中，是因為人們理智上的短視性，信貸人員往往只注意到眼前的風險，而沒有把目光放長遠，關注到日后資金集中所造成的風險集中問題。信貸集中是一把雙刃劍，怎樣去看待信貸集中的問題，首先應該充分利用信貸集中的優(yōu)點，再者應該預防信貸集中的弊端。 在本文的論述中，首先在搜集數(shù)據(jù)上，選取了我國典型商業(yè)銀行的信貸數(shù)據(jù)，并加以微調(diào)和整理。其次在這些數(shù)據(jù)的基礎上，根據(jù)我國信貸集中的特點，選取了六個不同的方面，權(quán)限，資金、區(qū)域、客戶類型、行業(yè)、期限進行信貸集中傾向的分析。 接下來根據(jù)我國信貸集中的表現(xiàn)，以及產(chǎn)生的不良影響，通過針對我國信貸市場上信息不對稱，“規(guī)模效益理論”和銀企之間的博弈關系的理論研究，結(jié)合我國宏觀的經(jīng)濟金融政策和銀行人的行為金融學等現(xiàn)實角度的分析，說明我國信貸集中的特殊成因和必然性。 最后，針對前文敘述的信貸集中的現(xiàn)象、特點、形成機理和形成原因，提出一些可行的解決我國信貸集中問題的對策建議。
[Abstract]:With the development of financial reform, the commercial and market-oriented development of banks is booming, but with it, the credit concentration in the financial market is becoming more and more obvious.In the short run, it is precisely because all kinds of financial institutions have the ability to carry out economic development automatically according to the laws and mechanisms of economic operation in the market, so the formation of credit concentration is inevitable, and credit concentration is not entirely a drawback.It reflects the guidance of national economic policy or industry policy, and has a great role in promoting the economic development of our country.However, in the long run, the greatest harm of credit concentration is that the excessive concentration of credit will increase the risk of capital. Once the adverse factors appear, the blow to our economy and financial market is unpredictable.Credit is concentrated because of the intellectual shortsightedness of people, credit personnel often only pay attention to immediate risks, not long-term, focus on the future concentration of funds caused by risk concentration.Credit centralization is a double-edged sword, how to look at the problem of credit concentration, we should make full use of the advantages of credit concentration, and then we should prevent the malpractice of credit concentration.In this paper, firstly, we select the credit data of typical commercial banks in our country, and fine-tune and sort them out.Secondly, on the basis of these data, according to the characteristics of credit concentration in China, this paper selects six different aspects, authority, capital, region, customer type, industry and term to analyze the tendency of credit concentration.Then, according to the performance of China's credit concentration and its adverse effects, through the information asymmetry, "economies of scale" and the game relationship between banks and enterprises in the credit market of China, the paper studies the theory of "scale benefit" and the game relationship between banks and enterprises.Based on the analysis of the macro economic and financial policy and the behavioral finance of the bank, this paper explains the special causes and inevitability of the credit concentration in China.Finally, in view of the phenomenon, characteristics, formation mechanism and reasons of credit concentration described above, some feasible countermeasures and suggestions to solve the problem of credit concentration in China are put forward.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

【引證文獻】

相關碩士學位論文 前1條

1 史肖迪;海城某銀行信貸結(jié)構(gòu)分析[D];遼寧大學;2015年

本文編號：1739229