现阶段我国上市商业银行金融创新评价研究

发布时间：2018-05-09 03:15

本文选题：中国上市商业银行 + 金融创新　；参考：《安徽大学》2012年硕士论文

【摘要】：金融创新是受到相关社会各界广泛关注的话题,一般意义上的金融创新包括了金融产品和金融服务的创新以及与之相关的金融交易方式、金融市场制度和金融监管方式等方面的创新。金融创新带来了新的赢利机会,也带来了新的金融风险,现代商业银行在生存发展过程中都不可避免地主动或被动进行着金融创新,从而推动了自身甚至整个行业的变革与发展。因此,金融创新是商业银行得以发展、金融货币市场得以完善的重要影响因素。在经济全球化的背景下,我国金融市场的开放程度正在逐年提高,银行业正处于全面向世界贸易组织成员国开放的历史性发展阶段,银行业在”十二五”期间的金融创新需求是十分巨大的。金融创新作为现代金融业的竞争利器,只有以金融创新为核心制定的发展战略,才能获得持续发展的动力。在当前形势下,外资银行把中国视作一个规模巨大的、尚未完全开发的市场,与国内商业银行相比,外资银行在金融创新领域经验丰富,虽然它们由于受到物理营业网点数量的限制,暂时不会与国内商业银行展开全面的竞争,但它们会利用金融创新所带来的产品和服务优势为高端市场提供独特的产品或服务,进一步压缩国内商业银行的盈利空间。与外资银行相比,我国银行业多是被动地进行金融创新实践活动,制约金融创新发展的内外因素较多,如何加快建设完善国内金融市场,提高银行业的金融创新能力也是“十二五”时期的重要课题。如果我国的银行业迟迟不能利用金融创新及时建立市场化的经营机制、提高经营管理效率,从而进一步发挥在社会经济建设中的核心作用,那么在今后相当一段时期内将会被外资银行逼入更大的窘境。我国银行业面临着来自外资银行的巨大竞争压力,必须通过提高金融创新能力来增强自身的核心竞争力和抵御金融风险的能力。本文主要分析了我国上市商业银行的金融创新现状并给出了相应的对策建议。本文首先在对商业银行金融创新概念的界定上给出了相应的看法,对商业银行金融创新的内容、原则和动因进行了分析研究；随后阐述了发达国家和我国商业银行金融创新的现状并进行了分析对比,在此基础上,总结了影响金融创新的要素,收集并整理了我国十六家上市商业银行2010年度与金融创新有关的数据,运用因子分析法和SPSS软件对相关数据进行了定量分析,得到了对我国上市商业银行金融创新影响最大的三个因子,并对十六家银行进行分类排序。最终在规范分析和实证分析的基础上,就未来如何促进我国上市商业银行金融创新提出了相应的对策建议,具有一定的理论和现实意义。
[Abstract]:Financial innovation is a topic widely concerned by relevant social circles. In general, financial innovation includes the innovation of financial products and financial services, as well as the related financial transaction methods. Financial market system and financial supervision and other aspects of innovation. Financial innovation brings new profit opportunities as well as new financial risks. In the process of survival and development, modern commercial banks are inevitably carrying out financial innovation actively or passively. Thus promoting their own and even the entire industry of change and development. Therefore, financial innovation is an important influencing factor for the development of commercial banks and the perfection of financial money market. Under the background of economic globalization, the opening degree of China's financial market is increasing year by year, and the banking industry is in the historic stage of opening to the members of the World Trade Organization (WTO). The financial innovation demand of the banking industry during the twelfth five-year plan period is very huge. Financial innovation is the competitive weapon of modern financial industry. Only the development strategy with financial innovation as the core can obtain the motive force of sustainable development. Under the current situation, foreign banks regard China as a huge market that has not yet been fully developed. Compared with domestic commercial banks, foreign banks have rich experience in the field of financial innovation. Although they will not compete fully with domestic commercial banks for the time being due to restrictions on the number of physical outlets, they will take advantage of the product and service advantages of financial innovation to provide unique products or services for the high-end market. Further compression of domestic commercial banks profit space. Compared with the foreign banks, the banking industry of our country carries on the financial innovation practice activity passively, restricts the financial innovation development by many internal and external factors, how to speed up the construction and perfect the domestic financial market, To improve the financial innovation ability of the banking industry is also an important subject in the twelfth five-year plan period. If the banking industry of our country is unable to make use of financial innovation to set up a market-oriented management mechanism in time to improve the efficiency of operation and management, and thus further exert its central role in the social and economic construction, Then in the future quite a period of time will be forced by foreign banks into a greater dilemma. China's banking industry is facing great competition pressure from foreign banks. It is necessary to enhance its core competitiveness and the ability to resist financial risks by improving its ability of financial innovation. This paper mainly analyzes the current situation of financial innovation of listed commercial banks in China and gives corresponding countermeasures and suggestions. This paper first gives the corresponding views on the definition of the concept of financial innovation of commercial banks, and analyzes the content, principle and motivation of the financial innovation of commercial banks. Then, the paper expounds the current situation of financial innovation in developed countries and commercial banks in China and analyzes and compares it. On this basis, it summarizes the factors that affect financial innovation. This paper collects and collates the data related to financial innovation of 16 listed commercial banks in China in 2010, and makes quantitative analysis of the relevant data by using factor analysis method and SPSS software. Three factors which have the greatest influence on the financial innovation of listed commercial banks in China are obtained, and 16 banks are classified and sorted. Finally, on the basis of normative analysis and empirical analysis, this paper puts forward corresponding countermeasures and suggestions on how to promote financial innovation of listed commercial banks in China in the future, which has certain theoretical and practical significance.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】