融资脱媒对我国商业银行存贷业务的影响研究

发布时间：2019-06-18 20:33

【摘要】：自20世纪90年代以来,伴随着我国资本市场的发展,融资脱媒现象应运而生。融资脱媒的出现,对我国商业银行的经营造成了巨大冲击,削弱了商业银行在我国金融体系中的作用,表现在存贷款差额逐渐扩大,存款短期化、贷款长期化,经营风险加大等方面。与此同时,我国利率市场化、人民币国际化改革正在逐步推进,这将加速融资脱媒在我国的发展,对商业银行的影响也将日益扩大。因此,研究融资脱媒对我国商业银行存贷业务的影响,并为商业银行的业务转型提供可借鉴的方案,是一个亟需解决的问题。本文首先介绍了金融中介理论和融资脱媒的相关理论,在此基础上比较分析了美国、英国、日本与我国融资脱媒的发展现状,并用相关数据描述了融资脱媒给我国商业银行存贷业务带来的影响；再次,选取商业银行存款增加量、贷款增加量、信托存款、信托贷款、GDP、股票筹资额、债券发行额等指标数据,通过构建向量自回归模型,分别从存款业务和贷款业务两个方面实证分析了融资脱媒给商业银行带来的影响；最后,基于理论分析和实证分析的结果,分别从存款业务和贷款业务两个方面对商业银行发展提出了相应策略。实证结果表明：融资脱媒确实对我国商业银行存款业务和贷款业务产生了明显的影响,而且对贷款端的冲击要大于存款端。但是总的来说,我国的融资脱媒尚处于初级阶段,对商业银行的影响还比较小,商业银行在金融体系中依然处于重要的地位。基于此,论文认为,商业银行应该细分客户,加快理财产品的创新,拓展融资途径,注重与非银行金融机构的合作；贷款业务方面,商业银行应该扩展贷款范围,改善贷款结构,大力发展零售客户和中小企业客户,大力发展绿色信贷等。本论文的研究将有助于商业银行在面对融资脱媒冲击时,更好地经营存贷款业务,实现商业银行的可持续发展。
[Abstract]:Since 1990 s, with the development of capital market in China, the phenomenon of financing disintermediation emerges as the times require. The emergence of financing disintermediation has caused a great impact on the operation of commercial banks in China and weakened the role of commercial banks in the financial system of our country, which is manifested in the gradual expansion of deposit and loan balance, short-term deposit, long-term loan, increased operating risk and so on. At the same time, China's interest rate marketization and RMB internationalization reform are gradually advancing, which will accelerate the development of financing disintermediation in China, and the impact on commercial banks will also be expanding day by day. Therefore, it is an urgent problem to study the influence of financing disintermediation on the deposit and loan business of commercial banks in China, and to provide a reference scheme for the business transformation of commercial banks. This paper first introduces the theory of financial intermediary and the related theories of financing disintermediation, on the basis of which the development status of financing disintermediation in the United States, Britain, Japan and China is compared and analyzed, and the influence of financing disintermediation on the deposit and loan business of commercial banks in China is described with the relevant data. Thirdly, selecting the index data such as deposit increase, loan increase, trust deposit, trust loan, GDP, stock raising amount, bond issue amount and so on, through constructing vector autoregression model, this paper empirically analyzes the influence of financing disintermediation on commercial banks from two aspects of deposit business and loan business. Finally, based on the results of theoretical analysis and empirical analysis, the corresponding strategies for the development of commercial banks are put forward from two aspects: deposit business and loan business. The empirical results show that financing disintermediation does have an obvious impact on the deposit business and loan business of commercial banks in China, and the impact on the loan side is greater than that on the deposit side. However, in general, the financing disintermediation of our country is still in the primary stage, the impact on commercial banks is still relatively small, commercial banks are still in an important position in the financial system. Based on this, the paper holds that commercial banks should subdivide customers, speed up the innovation of financial products, expand financing channels, and pay attention to cooperation with non-bank financial institutions. In the aspect of loan business, commercial banks should expand the scope of loans, improve the loan structure, vigorously develop retail customers and small and medium-sized enterprise customers, and vigorously develop green credit. The research of this paper will help commercial banks to better manage the deposit and loan business and realize the sustainable development of commercial banks in the face of the impact of financing disintermediation.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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