金融脱媒与我国商业银行投资银行业务发展研究

发布时间：2018-05-28 06:47

本文选题：金融脱媒 + 商业银行　；参考：《北京交通大学》2013年硕士论文

【摘要】：金融脱媒自二十世纪六十年代以来在世界范围内开始出现。随着我国金融体制改革和多层次资本市场建设的不断深化,金融脱媒现象自九十年代开始登陆中国,并呈现愈演愈烈的趋势。金融脱媒是指资金绕开商业银行直接在需求方和供给方之间循环,很大程序上削弱了商业银行这个金融体系中最重要的间接中介的作用。金融脱媒在给商业银行带来挑战的同时,也让商业银行开始反思一直以来以利息作为主要收入来源的业务模式。商业银行投资银行业务的兴起正是金融脱媒背景下商业银行作出的最重要的业务模式调整之一本文首先介绍金融脱媒的基本概念和一般理论,随后通过对融资端和投资端脱媒现象的介绍,分析我国金融脱媒的现状、特征和成因。接着介绍金融脱媒背景下我国商业银行投行业务的发展现状,进而分析金融脱媒给商业银行带来的有利及不利影响。在肯定商业银行面临的机遇大于挑战的基础上明确投资银行业务是商业银行应对金融脱媒重要的战略布局。最后结合金融脱媒的影响提出我国商业银行未来投行业务发展策略,为商业银行投资银行业务的发展提供现实性建议。
[Abstract]:Financial disintermediation began to appear in the world since the 1960 s. With the deepening of China's financial system reform and multi-level capital market construction, the phenomenon of financial disintermediation began to land in China in the 1990s, and showed a trend of intensification. Financial disintermediation means that funds circumvent the circulation between the demand side and the supply side of the commercial bank, which weakens the role of the commercial bank as the most important indirect intermediary in the financial system. Financial disintermediation not only brings challenges to commercial banks, but also makes commercial banks begin to reflect on the business model of interest as the main source of income. The rise of investment banking in commercial banks is one of the most important business model adjustments made by commercial banks in the context of financial disintermediation This paper first introduces the basic concept and general theory of financial disintermediation, and then analyzes the current situation, characteristics and causes of financial disintermediation in China by introducing the phenomenon of disintermediation at the financing and investment ends. Then it introduces the current situation of investment banking business of commercial banks in China under the background of financial disintermediation, and then analyzes the beneficial and negative effects of financial disintermediation on commercial banks. On the basis of affirming that the opportunities faced by commercial banks are greater than the challenges, it is clear that investment banking is an important strategic layout for commercial banks to deal with financial disintermediation. Finally, combined with the influence of financial disintermediation, the paper puts forward the development strategy of future investment banking business of Chinese commercial banks, and provides practical suggestions for the development of investment banking business of commercial banks.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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