中国国有商业银行信贷制度研究

发布时间：2018-07-04 21:53

本文选题：中国国有 + 商业银行　；参考：《吉林大学》2014年博士论文

【摘要】：在我国社会主义市场经济体制下，国有商业银行是我国金融市场体系的主力军。国有商业银行信贷在国内融资市场的各项融资份额中处于绝对主导地位，其健康、有效的运营与发展可以为国家经济发展提供强有力的金融支持，保障社会经济及金融的稳定。但是，近年来，我国国有商业银行信贷制度逐步暴露出一些问题。另外，国有商业银行与国外发达国家商业银行在信贷制度建设上也存在明显差距，急需要进一步完善现有的信贷制度安排。国内众多学者从不同视角对国有商业银行信贷制度进行了广泛而深入的研究。但是，对国有商业银行信贷制度研究的理论化与体系化不足。本文基于制度经济学理论对国有商业银行信贷制度进行了深入探讨，构建了中国国有商业银行信贷制度的分析框架。全文共分为6章。第1章是导论。主要阐述中国国有商业银行信贷制度研究的选题背景、研究意义、研究方法与研究框架，并指明了本文的可能创新与不足之处。第2章是商业银行信贷制度理论基础。首先，，论述商业银行信贷制度的内涵、特征以及功能。其次，论述商业银行信贷制度变迁的涵义、特点以及影响因素。再次，论述商业银行信贷制度变迁的成本与收益。第3章是中国国有商业银行信贷制度变迁分析。首先，按照制度变迁的发展阶段，将中国商业银行信贷制度变迁历程分为计划经济时期的信贷制度变迁、过渡时期的信贷制度变迁、市场经济建设时期的信贷制度变迁三个阶段。其次，对中国信贷制度变迁历程梳理，分析中国国有商业银行信贷制度变迁的内外动力。再次，结合我国政治制度、经济制度特点，分析中国国有商业银行信贷制度变迁的三个特点，即社会主义背景下的制度变迁、交替主导下的渐进式强制性制度变迁、重视制度学习与模仿的制度变迁。最后，分析和提出中国国有商业银行信贷制度变迁的基本趋势：制度变迁的推动主体多元化与外生制度主导向内生制度主导过渡。第4章是中国国有商业银行信贷制度状况分析。首先，从信贷组织制度、信贷业务操作制度、信贷风险控制制度以及激励约束制度四个方面，分析中国国有商业银行信贷制度发展现状。其次，分析中国国有商业银行信贷制度存在的问题，即信贷控制制度不合理、管理实施制度不健全、信贷文化落后。最后，分析中国国有商业银行信贷制度存在问题的原因，主要是非人格化的产权制度、多重委托——代理关系、内部部门利益博弈以及国民文化中的潜规则。第5章是发达国家商业银行信贷制度及其启示。首先，从信贷组织架构、风险管理以及激励约束机制等方面，分别对美、英、日发达国家商业银行信贷制度内容进行简论。其次，总结提出发达国家商业银行信贷制度对我国的启示。第6章是完善中国国有商业银行信贷制度的对策。首先，完善国有商业银行信贷业务制度，包括完善信贷组织制度、信贷决策制度、信贷审批制度、信贷风险控制制度、信贷人员激励约束制度等。其次，完善国有商业银行信贷资产制度，包括完善信贷资产交易制度、信贷资产证券化制度以及信贷资产退出制度等。再次，完善国有商业银行信贷相关的约束制度，包括完善信贷有关的法律法规，完善信贷监管制度，完善信贷市场监管制度等。最后，塑造国有商业银行信贷文化。
[Abstract]:In China ' s socialist market economy system , state - owned commercial bank is the main force of our country ' s financial market system . State - owned commercial bank credit is in absolute dominant position in the financing share of domestic financing market , its health , effective operation and development can provide strong financial support for national economic development , and it needs to perfect the existing credit system arrangement .

Chapter 1 introduces the background , significance , research methods and research framework of the research on credit system of state - owned commercial banks in China , and points out the possible innovations and shortcomings of this paper .

Chapter 2 is the theoretical basis of commercial bank credit system . Firstly , it discusses the connotation , characteristics and function of credit system of commercial bank . Secondly , it discusses the meaning , characteristics and influencing factors of credit system change of commercial bank .

Chapter 3 analyzes the changes of credit system in China ' s state - owned commercial banks . First , according to the development stage of institutional change , the changes of credit system in China ' s commercial banks are divided into three stages : credit system change during the period of planned economy , change of credit system in transition period and credit system change in the period of market economy construction .

Chapter 4 is the analysis of the credit system of state - owned commercial banks in China . First , the present situation of credit system in China ' s state - owned commercial banks is analyzed from four aspects : credit organization system , credit business operation system , credit risk control system and incentive and restriction system . Secondly , the paper analyzes the existing problems of credit system in state - owned commercial banks in China .

Chapter 5 is the credit system of commercial banks in developed countries and its inspiration . First , from the aspects of credit organization structure , risk management and incentive mechanism , the content of credit system in American , British and Japanese commercial banks is briefly discussed . Secondly , it summarizes the enlightenment of the credit system of commercial banks in developed countries to our country .

Chapter 6 is to perfect the credit system of state - owned commercial banks . First , perfect the credit business system of state - owned commercial banks , including perfecting credit organization system , credit decision - making system , credit approval system , credit risk control system , credit personnel incentive and restraint system , etc . Secondly , perfecting credit - related system of state - owned commercial banks , including perfecting credit - related laws and regulations , perfecting credit supervision system , perfecting credit market supervision system , etc . Finally , shaping the credit culture of state - owned commercial banks .
【学位授予单位】：吉林大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F832.33;F832.4

【参考文献】