资本账户逐渐开放对我国银行体系稳定性的影响研究

发布时间：2018-06-19 07:06

本文选题：资本账户开放 + 银行稳定　；参考：《湘潭大学》2012年硕士论文

【摘要】：资本账户开放具有双刃剑效果，即为一国带来经济金融发展的同时，可能会对金融体系产生重大冲击，而银行作为金融体系的核心首当其冲。金融危机大多由银行危机引发，如亚洲金融危机。我国在此次危机中幸免于难，是由于我国实行较严的资本管制，可以说资本管制为国际游资和货币危机设立了一道屏障。当资本账户开放后，国际资本流动加剧，将通过各种渠道影响一国的银行甚至金融稳定。资本账户开放后资本的流动影响汇率稳定，由此产生汇率风险并影响银行体系的稳定。同时，大量流入的资本绝大部分以直接或间接方式最终流入银行体系，这样就会引起银行信贷扩张，产生资产泡沫，增大银行不良资产形成的概率，进而影响银行体系的稳定。此外，资本账户开放过程常常伴随外资银行的进入，外资银行进驻银行体系在提高银行的竞争力同时也加大了银行的不稳定。因而研究资本账户逐渐开放对我国银行体系稳定的影响具有重要意义。目前我国资本账户开放取得了较大进展，实现了一些项目的基本可兑换和部分可兑换，但资本管制程度仍然比较高。我国银行的资本充足率虽然达到国际通用标准，不良贷款率也在不断地下降，但仍是影响银行稳定的潜在因素，加上银行结构和银行风险管理方面的问题，，资本账户开放会对我国银行体系稳定性产生一定影响。实证结果也表明，资本账户开放产生汇率风险、流动性风险和信贷风险，对银行稳定造成冲击。因此，我国有必要在把握开放渐进性和合理性的前提下，优化路径审慎推进资本账户的开放，以减少开放过程中银行面临的风险；并通过运用适时合理的财政货币政策、增强汇率的弹性和加快利率市场化改革，来创造有益于银行稳定的宏观条件；同时要加强银行体系的自身建设，加大金融监管并建立存款保险制度，构建银行稳定的保障体系。
[Abstract]:The opening of capital account has the double - edged sword effect , that is to bring about economic and financial development for one country , which may have great impact on the financial system , and the bank is the core of the financial system . The financial crisis is mostly caused by the banking crisis , such as the Asian financial crisis . In this crisis , China is spared the difficulty , which can be said that capital control has set up a barrier for international capital and currency crisis .

When the capital account is open , the international capital flow is aggravated , and the bank of one country will be affected by various channels . The capital account ' s flow affects the stability of the exchange rate , thus generating exchange rate risk and influencing the stability of the banking system . At the same time , most of the capital flows into the banking system in a direct or indirect way , thus affecting the stability of the banking system .

At present , China ' s capital account opening has made great progress , which has realized the basic convertible and partial conversion of some projects , but the degree of capital control is still relatively high .
Through the use of timely and reasonable fiscal monetary policy , strengthen the elasticity of exchange rate and accelerate the market - oriented reform of interest rate , to create the macro - condition beneficial to bank stability ;
At the same time , we should strengthen the self - construction of the banking system , increase the financial supervision and establish the deposit insurance system , and construct the bank ' s stable safeguard system .
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.1

【参考文献】