金融脱媒与我国商业银行应对策略研究

发布时间：2018-05-05 21:54

本文选题：金融中介 + 金融脱媒　；参考：《西南财经大学》2012年硕士论文

【摘要】：“金融脱媒”又称为“金融非中介化”,是指资金的盈余方和赤字方绕过金融中介而直接进行交易的金融市场变化趋势,这种现象最早出现在20世纪60年代的美国。随着我国经济体制改革的不断深化,金融市场的不断发展,金融脱媒在我国的发展也将逐步深化,这势必将对我国商业银行经营产生极大的挑战。为此,深入分析金融脱媒在我国的产生机理和发展状况,并提出行之有效的应对策略具有很大的现实意义。本文以金融中介理论为理论研究基础,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、对我国商业银行经营的影响等五个方面分析了我国的金融脱媒现象,并结合国际金融市场金融脱媒后国际商业银行的应对及启示提出了我国商业银行应对金融脱媒的创新对策。力求通过对金融脱媒的全面分析,为我国银行业的长足发展提出些有指导意义的建议。首先,分析了我国金融脱媒的产生背景和原因：1、制度背景：金融改革的不断深入和资本市场的不断发展；2、经济基础：经济的高速发展和社会财富的大量积累；3、推动力量——理财意识的转变和各类理财机构的发展；4、现实原因——“高物价,紧信贷,投资热”5、技术支持——信息技术和网络金融的发展。其次,重点分析了我国金融脱媒的表现、发展现状和趋势,利用存贷差、长短期储蓄存款占比、长短期贷款占比、资产中介化比率、负债中介化比率等各种指标衡量了我国的金融脱媒程度,我国金融脱媒正在逐步深化,但总体来说,我国金融脱媒程度还不严重,远远低于西方发达国家的脱媒程度。再次,从各方面分析了金融脱媒对我国商业银行的利弊影响。最后,结合美国应对金融脱媒的经验启示,提出了我国商业银行应对金融脱媒的创新对策：1、理念创新——更新经营理念,改革体制机制,优化人力资源2、客户创新——做好深入细致的行业分析,调整客户结构,开拓新的市场3、业务创新——巩固传统业务,大力发展中间业务,实现多元化经营,寻找新的利润增长点4、资产结构和负债结构创新,加强与非银行金融机构的合作5、树立全面风险管理理念,提高风险管理水平6、大小商业银行应结合自身优势,明确自身定位,提高核心竞争力。“金融脱媒”对银行业的发展来说既是挑战也是机遇,我国商业银行应该勇敢创新,战胜挑战,并好好利用这一发展机遇实现质的飞跃,力争成为国际上有实力和竞争力的全能型商业银行。
[Abstract]:Financial disintermediation, also called "financial disintermediation", refers to the changing trend of financial market in which the surplus and deficit parties bypass financial intermediation and trade directly. This phenomenon first appeared in the United States in the 1960s. With the deepening of China's economic system reform and the development of financial market, the development of financial disintermediation in China will be deepened step by step, which will inevitably pose a great challenge to the management of commercial banks in China. Therefore, it is of great practical significance to analyze the mechanism and development of financial disintermediation in China, and to put forward effective countermeasures. Based on the theory of financial intermediation, this paper uses a variety of statistical analysis methods to analyze the background, causes, current situation and trend of financial disintermediation. This paper analyzes the phenomenon of financial disintermediation in China from five aspects, such as the influence of commercial bank management in our country, and puts forward the innovative countermeasures for Chinese commercial banks to deal with financial disintermediation in combination with the response and enlightenment of international commercial banks after financial disintermediation in the international financial market. Through the comprehensive analysis of financial disintermediation, some instructive suggestions are put forward for the rapid development of China's banking industry. First, This paper analyzes the background and causes of financial disintermediation in China: 1, institutional background: the deepening of financial reform and the continuous development of capital market, the economic base: the rapid development of economy and the massive accumulation of social wealth. The change of financial management consciousness and the development of various financial institutions Tight credit, investment craze, technical support-the development of information technology and network finance. Secondly, the paper analyzes the performance, current situation and trend of financial disintermediation in China. It makes use of the difference between deposit and loan, the proportion of savings deposits in the short and long term, the ratio of long-term and short-term loans, and the ratio of asset intermediation. The financial disintermediation ratio and other indicators measure the degree of financial disintermediation in our country, which is gradually deepening, but generally speaking, the degree of financial disintermediation in our country is not serious, which is far lower than that in western developed countries. Thirdly, the paper analyzes the advantages and disadvantages of financial disintermediation on Chinese commercial banks. Finally, combined with the experience of the United States in dealing with financial disintermediation, this paper puts forward the innovative countermeasures of China's commercial banks to deal with financial disintermediation:: 1, concept innovation--renewing the management concept, reforming the system and mechanism. Optimize human resources 2, customer innovation-do a good job of in-depth and meticulous industry analysis, adjust customer structure, open up new market 3, business innovation-consolidate traditional business, vigorously develop intermediate business, realize diversified management, To find new profit growth point 4, to innovate the structure of assets and liabilities, to strengthen the cooperation with non-bank financial institutions, to establish a comprehensive risk management concept and to improve the risk management level 6. Commercial banks, large and small, should combine their own advantages and define their own position. Improve the core competitiveness. "Financial disintermediation" is both a challenge and an opportunity for the development of the banking industry. Our commercial banks should make bold innovations and overcome the challenges, and make good use of this development opportunity to achieve a qualitative leap. Strive to become an international strength and competitiveness of all-energy commercial banks.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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