兴业银行融资渠道选择分析

发布时间：2018-04-20 15:49

本文选题：资本充足率 + 融资渠道　；参考：《山东大学》2012年硕士论文

【摘要】：2011年,银行业监管部门公布《商业银行资本管理办法》,办法有两方面规定,一是提高商业银行资本充足率这一监管标准,二是调整商业银行资产风险权重。我国商业银行面临两方面的压力,一是2009年我国商业银行进行了大量放贷,引发资本消耗；二是2011年办法的公布,银行要应对监管层的高标准、高要求。面对双重压力,我国绝大多数商业银行提出融资计划。我国商业银行普遍存在盈利能力差的情况,在内源融资无法满足资本金的需求时,银行只能求助于资本市场。但是银行的融资对股市造成了巨大压力,不利于资本市场的稳定。在此背景下,研究兴业银行的融资渠道,对中小型商业银行融资渠道的选择具有重要的意义。本文首先介绍我国中小型商业银行补充资本金的常见渠道,不同融资渠道的优缺点,阐述我国中小型商业银行融资的现状,深入剖析我国商业银行长期面临资本充足率困扰的原因。本文以兴业银行的融资历程为主线,在案例分析法的基础上,运用财务指标,详述了兴业银行在不同阶段选择不同融资渠道的原因,以及融资渠道的选择对兴业银行的发展产生的影响,探寻解决兴业银行资本充足率不足问题的方法。最后,根据我国中小型商业银行融资方面存在的问题,为我国中小型商业银行因资本充足率不足而引发的融资提出建议。
[Abstract]:In 2011, the banking regulatory department published the measures for Capital Management of Commercial Banks, which have two provisions: one is to improve the capital adequacy ratio of commercial banks, and the other is to adjust the risk weight of commercial banks' assets. China's commercial banks are under pressure from two aspects. One is that China's commercial banks made a large number of loans in 2009, which led to capital consumption; the other is the announcement of the 2011 measures. Banks should deal with the high standards and requirements of the regulatory level. Facing double pressure, most commercial banks in our country put forward financing plan. Commercial banks in China generally have poor profitability. When internal financing can not meet the demand for capital, banks can only turn to the capital market. But the bank's financing has created the huge pressure to the stock market, is not conducive to the capital market stability. Under this background, it is of great significance to study the financing channels of Societe Generale Bank for the choice of financing channels for medium and small commercial banks. This paper first introduces the common channels of supplementing capital, the advantages and disadvantages of different financing channels, and expounds the current situation of financing of small and medium-sized commercial banks in China. Deeply analyze the reasons why Chinese commercial banks face the problem of capital adequacy rate for a long time. This paper takes the financing course of Industrial Bank as the main line, on the basis of case analysis, using financial indicators, details the reasons why the bank chooses different financing channels in different stages. The influence of the choice of financing channel on the development of Societe Generale Bank is also discussed, and the methods to solve the problem of insufficient capital adequacy ratio of SocGen Bank are explored. Finally, according to the financing problems of the small and medium-sized commercial banks in China, the paper puts forward some suggestions for the financing of the small and medium-sized commercial banks caused by the shortage of capital adequacy ratio.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

【参考文献】