【摘要】：近年以來,隨著我國商業(yè)銀行的不斷發(fā)展,存款吸收業(yè)務(wù)類型日益多元化,存款總量逐年增加,并保持相對穩(wěn)定的態(tài)勢。對于銀行來說,存款吸收業(yè)務(wù)是基礎(chǔ)性業(yè)務(wù),如果一個銀行存款吸收業(yè)務(wù)能夠穩(wěn)定增長,吸收能力能夠不斷增強,那么不僅銀行經(jīng)營有了良好的物質(zhì)基礎(chǔ),更能夠推動銀行其他業(yè)務(wù)的發(fā)展,并保障總體的經(jīng)濟效益。除此之外,較好的存款吸收能力和水平也是在競爭環(huán)境下保持自身優(yōu)勢,增強市場占有率和收益率的前提條件。然而,隨著金融市場的不斷發(fā)展,銀行存款吸收業(yè)務(wù)也面臨了諸多挑戰(zhàn)。從目前來看,商業(yè)銀行不僅面臨著儲蓄難度增大,儲蓄率增長放緩的下行壓力,還要與市場中其他理財產(chǎn)品及金融衍生品進行競爭,收益率高者更易受到消費者的青睞。與此同時,近年來宏觀經(jīng)濟增速放緩,居民收入和儲蓄傾向也發(fā)生了較大的變化,相對落后的社會保障體系無法滿足居民對更高保障水平的要求,這使得客戶不再單純追求存款的收益率,更關(guān)注個人需求和長期的綜合效益等。正是以上多重因素的共同作用,銀行存款吸收能力難以提高。另外,金融體系全球化加深,交流增多,商業(yè)銀行間融合與學(xué)習(xí)走向了全球領(lǐng)域,競爭平臺從同行業(yè)同領(lǐng)域拓展到了更大的層面,存款吸收能力也受到金融體系競爭的制約。綜上所述,我國商業(yè)銀行存款吸收能力的影響因素日益多元化,但各銀行存款吸收率有高有低,是多種因素共同作用的結(jié)果。本論文力求在競爭日益加劇的大背景下,對商業(yè)銀行存款吸收能力影響因素進行探究,從而為行業(yè)發(fā)展提出合理化建議。更為關(guān)鍵的是,論文不再將銀行存款吸收率視為單一變量,而將其與我國社會保障體系構(gòu)建結(jié)合起來,這既是國民對于高水平保障體系的反映,也是經(jīng)濟增長與社會效益結(jié)合的體現(xiàn)。在研究中,我們選擇了居民收入、居民儲蓄率、競爭產(chǎn)品收益率、社會保障體系構(gòu)建進度、存款利率等多個因子,運用統(tǒng)計學(xué)方法進行多元線性回歸分析,并進行實證探究,得出相關(guān)結(jié)論,提出相應(yīng)的建議。同時,本研究從時間序列分析的縱向角度進行增長率的分析與研究。通過實證研究,我們既看到了商業(yè)銀行總體存款吸收能力狀況良好,總存款量不斷增長,也認識到增速放緩、結(jié)構(gòu)性缺失、儲蓄傾向變化、對社會保障體系考量日益增多等現(xiàn)狀,這對未來我國商業(yè)銀行發(fā)展帶來了更多挑戰(zhàn)。
[Abstract]:In recent years, with the continuous development of commercial banks in China, the types of deposit absorption business are increasingly diversified, the total amount of deposits increase year by year, and maintain a relatively stable situation. For banks, deposit absorption business is the basic business. If a bank's deposit absorption business can grow steadily and its absorption capacity can be continuously enhanced, then not only banks have a good material basis for their operations, More can promote the development of other banking business, and to protect the overall economic benefits. In addition, the better ability and level of deposit absorption is also the precondition to maintain its own advantages and enhance market share and return rate in the competitive environment. However, with the continuous development of the financial market, the bank deposit absorption business also faces many challenges. At present, commercial banks not only face the downward pressure of increasing the difficulty of saving and slowing down the growth of savings rate, but also compete with other financial products and financial derivatives in the market. At the same time, the macroeconomic growth rate has slowed in recent years, and the income and saving tendencies of the residents have also changed greatly. The relatively backward social security system cannot meet the requirements of the residents for a higher level of security. This makes customers no longer simply pursue the rate of return on deposits, pay more attention to personal needs and long-term comprehensive benefits. It is the combination of the above factors, bank deposit absorption capacity is difficult to improve. In addition, with the deepening of financial system globalization, the increase of communication, the integration and learning of commercial banks into the global field, the competitive platform has expanded from the same industry to a larger level, and the ability of deposit absorption is also restricted by the competition of the financial system. To sum up, the influencing factors of deposit absorption capacity of commercial banks in China are becoming more and more diverse, but the deposit absorption rate of each bank is higher and lower, which is the result of the joint action of many factors. This paper tries to explore the influence factors of commercial bank's deposit absorption ability under the background of increasingly fierce competition, so as to put forward some reasonable suggestions for the development of the industry. More importantly, the paper no longer regards the rate of bank deposit absorption as a single variable, but combines it with the construction of China's social security system, which is a reflection of the high level security system. It is also the embodiment of the combination of economic growth and social benefits. In the study, we selected many factors, such as resident income, resident savings rate, competitive product return rate, social security system construction progress, deposit interest rate and so on, and used the statistical method to carry on multivariate linear regression analysis, and carried on the empirical research. Draw relevant conclusions and put forward corresponding suggestions. At the same time, the growth rate is analyzed and studied from the longitudinal angle of time series analysis. Through empirical research, we not only see that the overall deposit absorption capacity of commercial banks is good, the total deposit volume is increasing, but also realize that the growth rate is slowing, the structure is missing, and the tendency of saving is changing. The increasing consideration of social security system brings more challenges to the future development of commercial banks in China.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.33

【參考文獻】

相關(guān)期刊論文 前10條

1 楊斌;;美歐存款保險制度與中國深化金融改革[J];觀察與思考;2016年02期

2 韓毅;周正泉;楊彬建;;利率市場化條件下存款組織路徑探析[J];農(nóng)業(yè)發(fā)展與金融;2016年01期

3 潘梅;喻誠;關(guān)繼成;;商業(yè)銀行同業(yè)融資流量經(jīng)營的研究思考[J];農(nóng)村金融研究;2016年01期

4 劉弘毅;;互聯(lián)網(wǎng)金融推動傳統(tǒng)銀行業(yè)轉(zhuǎn)型發(fā)展[J];現(xiàn)代經(jīng)濟信息;2016年01期

5 尹麗;;P2P網(wǎng)絡(luò)借貸平臺資金托管問題研究[J];當(dāng)代經(jīng)濟管理;2016年01期

6 董義紅;;互聯(lián)網(wǎng)金融對商業(yè)銀行傳統(tǒng)業(yè)務(wù)的影響[J];經(jīng)營管理者;2016年01期

7 高萬霞;;利率市場化下商業(yè)銀行定價管理的思考[J];甘肅金融;2015年12期

8 王小林;;我國商業(yè)銀行應(yīng)對利率市場化影響的初步探討[J];經(jīng)濟師;2015年12期

9 劉濤;;市場經(jīng)濟對我國商業(yè)銀行存款結(jié)構(gòu)的影響[J];市場研究;2015年11期

10 桑濱;;互聯(lián)網(wǎng)金融環(huán)境下社區(qū)銀行建設(shè)探析[J];改革與戰(zhàn)略;2015年11期

，

本文編號：2325542