金融脱媒对我国上市商业银行收入结构的影响及对策研究

发布时间：2017-12-27 21:27

本文关键词：金融脱媒对我国上市商业银行收入结构的影响及对策研究　出处：《新疆财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：金融脱媒也叫金融非中介化,是指资金的需求方和供给方绕过以银行为代表的中介机构直接进行资金的融通。金融脱媒发生与经济发达程度相关,美国作为经济发达的国家代表最先发生。在近些年我国利率市场化速度加快如上海自贸区试行利率市场化以及存款保险制度的正式实行、党的十八届三中全会报告中提出要在2020年建立多层次资本市场,提高直接融资比例、近些年互联网金融、影子银行的兴起的背景下,金融脱媒影响在我国开始显现。资本市场的繁荣带来的影响则是脱媒现像越来越明显。而银行作为我国经济、金融的核心,掌握我国绝对数量的储蓄和贷款资金,脱媒的持续深化必将给商业银行传统业务收入带来冲击,商业银行也必须正面这种冲击,及早调整收入结构。因此深入的研究脱媒对商业银行收入结构的影响具有很强的现实意义和经济意义。本文以金融中介理论和金融创新理论为理论基础、16家上市银行为样本,综合运用多种统计分析方法分别从金融脱媒的产生背景和原因、现状和趋势,并结合我国商业银行的收入结构概况分别从理论和实证上分析了金融脱媒对我国商业银行收入结构的影响,并结合美国金融脱媒后商业银行的应对提出了我国商业银行应对金融脱媒的对策。首先,本文对金融脱媒内涵进行了界定,分析了其产生的背景和原因,脱媒发生的原因有长期的金融抑制,随着经济金融改革的深化,发展潜力得到释放;同时经济快速发展带来居民财富的激增;而且居民的投资意识产生了转变;还有信息技术的创新,使交易简捷。同时描述了脱媒的表现形式如债券和股票市场的兴起。然后,对脱媒的测量指标分主要指标和其他指标进行了分析,本文实证部分使用的指标为后来学者在主要指标基础上完善后的指标即非金融部门对银行资产(负债)中介化比率,分析了其发生趋势。接着,界定了上市商业银行收入结构,将其分为利息收入和非利息收入,进而分析其概况和变化趋势。然后,从理论上分析了金融脱媒对利息收入和非利息收入的影响途径以及收入结构在脱媒影响下的变化趋势,在节尾分内部和外部因素分析了其他影响收入结构的因素。最后,在此之上,将16家上市银行分为5家国有大型银行和11家股份制银行,以非利息收入占比和利息收入占比分别做为因变量,以脱媒指标为自变量,影响收入结构其他的内部和外部因素为控制变量,进行实证分析,证明脱媒确实对我国商业银行收入结构产生了影响,借鉴美国商业银行应对脱媒策略经验结合我国实际提出我国商业银行应对脱媒的建议。
[Abstract]:Financial disintermediation is also called disintermediation, refers to the money supply side and demand side bypass intermediaries to banks on behalf of direct financing. The financial disintermediation occurred and the degree of economic development, the United States as the developed countries represent the first. In recent years, China's market-oriented interest rate accelerated as formally implemented, the party's the third Plenary Session of the 18th CPC Central Committee report on the marketization of interest rate and the deposit insurance system, the FTA in Shanghai proposed to establish a multi-level capital market in 2020, increase the proportion of direct financing in recent years, Internet banking, shadow banking under the background of the rising of the impact of financial disintermediation in China show. The influence of the capital market prosperity is more and more obvious as disintermediation. But the bank as the core of China's economy and finance, grasp the absolute number of China's savings and loan funds, disintermediation is bound to continue to deepen the traditional commercial banking business revenue impact, commercial banks must also face the impact of adjustment of income structure. So the study of deep disintermediation has great practical significance and economic significance of the income structure of commercial banks. In this paper, the theory of financial intermediation and financial innovation theory as the theoretical basis, the samples of 16 listed banks, comprehensive use of various statistical analysis methods are the background and causes, from the present situation and trend of financial disintermediation, and combined with the income structure of commercial banks in China by analyzing the impact of financial disintermediation on the income structure of commercial banks in China from the theoretical and empirical analysis, combined with the strategy of commercial banks in China to deal with the financial disintermediation of commercial banks to deal with the financial disintermediation of america. Firstly, this paper defines the connotation of financial disintermediation, analyzes its background and reasons, reasons of disintermediation have occurred in long-term financial repression, with the deepening of the economic and financial reform, the development of potential release; at the same time, the rapid economic development brought a surge of wealth; and transformation of residents' awareness of the investment and innovation of information; the simple transaction technology. At the same time, describes the rise of form of disintermediation as bond and stock markets. Then the measurement indexes of the disintermediation of key indicators and other indicators are analyzed, the empirical index part used to improve the main index based on the index that later scholars non-financial sector of bank assets (liabilities) intermediary ratio, analyzes the tendency of its occurrence. Then, it defines the income structure of the listed commercial banks, and divides them into interest income and non interest income, and then analyzes their general situation and trend of change. Then, from the theoretical analysis of the change trend of financial disintermediation in disintermediation under the influence of the effect of interest income and non interest income approach and income structure, in the end is divided into internal and external factors analysis of other factors affecting the income structure. Finally, on the basis of the 16 listed banks, will be divided into 5 large state-owned banks and 11 joint-stock banks, the proportion of non interest income and interest income accounted for the dependent variable, the disintermediation index as the independent variable, the factors affecting the income structure of other internal and external control variables, the empirical analysis. Proof of disintermediation does have an impact on the income structure of commercial banks in China, combined with the actual proposed deal with the disintermediation of commercial banks in China from the United States suggest that our country commercial bank deal with disintermediation strategy experience.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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