金融脱媒及其对我国商业银行的影响研究

发布时间：2018-04-15 03:18

本文选题：金融脱媒 + 商业银行　；参考：《西北大学》2014年硕士论文

【摘要】：在全球经济一体化以及金融发展国际化的背景下,我国金融体制改革不断推进,资本市场迅速发展,出现了货币资金绕开金融中介而直接在需求双方进行融通的“金融脱媒”现象。本文运用理论与实证、定性与定量相结合的方法旨在研究金融脱媒及其对商业银行的影响。首先在国内外相关的理论研究基础上,结合我国实际描述金融脱媒在商业银行与非银行金融机构、社会融资规模与融资结构等方面的发展现状。从金融深化、投资观念转变、信息技术发展以及政策支持等角度分析其在我国产生的根本原因。在此基础之上引出本文的理论研究成果,即金融脱媒对商业银行的影响：一方面,金融脱媒影响商业银行的传统业务、盈利能力及风险管理要求；另一方面,金融脱媒推动商业银行发展中间业务,提高非利息收入,转变经营模式并提供资本市场平台来增强实力。接着基于商业银行传统业务的视角,建立向量自回归模型和脉冲响应函数等计量经济方法来验证金融脱媒对商业银行的影响,得到金融脱媒会导致商业银行存贷款增量的减少,且二者存在长期关系等实证研究成果。最后,根据理论与实证分析的结论提出合理建议。总而言之,金融脱媒是把双刃剑,我国商业银行应该化挑战为机遇,加快改革与创新,把握金融脱媒带来的各种良机,实现质的飞跃。
[Abstract]:Under the background of global economic integration and the internationalization of financial development, the reform of China's financial system continues to advance, and the capital market develops rapidly.The phenomenon of financial disintermediation occurs when money funds circumvent financial intermediation and directly meet the needs of both sides.The purpose of this paper is to study financial disintermediation and its influence on commercial banks by means of theoretical and empirical, qualitative and quantitative methods.Firstly, on the basis of theoretical research at home and abroad, this paper describes the development of financial disintermediation in commercial banks and non-bank financial institutions, social financing scale and financing structure.This paper analyzes the fundamental causes of financial deepening, investment concept change, information technology development and policy support in China.On this basis, the theoretical research results of this paper are drawn, that is, the impact of financial disintermediation on commercial banks: on the one hand, financial disintermediation affects the traditional business, profitability and risk management requirements of commercial banks; on the other hand,Financial disintermediation promotes commercial banks to develop intermediary business, increase non-interest income, change business model and provide capital market platform to strengthen their strength.Then based on the traditional business perspective of commercial banks, we establish vector autoregressive model and impulse response function to verify the impact of financial disintermediation on commercial banks, and get that financial disintermediation will lead to the decrease of deposit and loan increment of commercial banks.And there is a long-term relationship between the two empirical research results.Finally, according to the conclusions of theoretical and empirical analysis, reasonable suggestions are put forward.In a word, financial disintermediation is a double-edged sword. Our commercial banks should turn challenges into opportunities, speed up reform and innovation, grasp all kinds of opportunities brought by financial disintermediation, and realize a qualitative leap.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1;F832.33

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