中国银行业风险影响因素研究

发布时间：2018-03-28 14:54

本文选题：银行业风险　切入点：市场环境　出处：《中共中央党校》2014年硕士论文

【摘要】：近年来，，中国银行业在经营规模和效益上都保持了较快的发展速度。银行业资产规模的持续扩大使得其在国民经济体系中的地位和重要性与日俱增，与此同时，银行业风险问题对于宏观经济运行的影响也更为深刻。因此，研究中国银行业的风险问题有较强的现实意义。本文研究的是影响中国银行业风险因素问题，以当下中国银行业所处的市场环境、所具备的公司治理能力和所面临的监管制度约束作为研究的出发点，认为市场环境是对银行业经营管理与风险问题的外在影响，公司治理则是银行业风险的内生性因素，同时，监管制度的设计与相关监管政策的具体实施也对银行业风险有着显著的影响。本文较为全面的回顾总结了国内外相关的研究成果，并密切联系中国银行业发展的实际情况，首先较为系统的从理论上分析了这三个因素的成因及其对中国银行业风险的影响，然后通过中国银行业近年的实证数据进一步论证观点，最后根据中国银行业发展现状分析相应理论启示并提出政策建议。本文综合运用了文献综述法、定性与定量相结合等研究方法，全文分为五个部分：引言介绍了研究的背景、方法与意义；第二部分为理论回顾与文献综述，梳理相关研究情况；第三部分简要说明了中国银行业的发展现状，并从理论上分析了中国银行业风险产生的深层次原因；第四部分主要是通过对于近年中国银行业经营管理相关数据的收集整理，对影响银行业风险的因素进行实证考察；第五部分，联系中国银行业的发展的实际状况得出启示与结论，并对银行业风险的防范提出政策建议。
[Abstract]:In recent years, China's banking industry has maintained a rapid development rate in terms of business scale and efficiency. The continuous expansion of banking assets has made it more and more important in the national economic system, and at the same time, Therefore, it is of great practical significance to study the banking risk in China. This paper studies the risk factors of China's banking industry, taking the current market environment, corporate governance ability and regulatory system constraints as the starting point of the study. The author thinks that the market environment is the external influence on banking management and risk, while corporate governance is the endogenous factor of banking risk, at the same time, The design of regulatory system and the implementation of relevant regulatory policies also have a significant impact on banking risk. This paper comprehensively reviews and summarizes the relevant research results at home and abroad, and closely relates to the actual situation of the development of China's banking industry. Firstly, it systematically analyzes the causes of these three factors and their influence on the risk of China's banking industry in theory, and then further demonstrates the viewpoint through the empirical data of China's banking industry in recent years. Finally, according to the development of China's banking industry, the corresponding theoretical implications are analyzed and policy recommendations are put forward. This paper synthetically uses the literature review method, qualitative and quantitative research methods, the full text is divided into five parts: the introduction introduces the background, method and significance of the research, the second part is the theoretical review and literature review, the second part is the theoretical review and literature review. The third part briefly explains the development of China's banking industry, and theoretically analyzes the deep-seated causes of China's banking risks. The fourth part is mainly through the collection and collation of the data related to the banking management in recent years, the factors that affect the banking risk are empirically investigated; the fifth part, The enlightenment and conclusion are drawn from the actual situation of the development of China's banking industry, and some policy suggestions on the prevention of banking risks are put forward.
【学位授予单位】：中共中央党校
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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