金融结构变化影响及商业银行应对策略研究
发布时间：2018-10-08 18:39
【摘要】：改革开放以来，我国金融领域的改革逐步深入，金融结构不断优化调整。作为金融体系主体的商业银行在金融结构变化下面临着越来越大的冲击和影响。成熟和健全的资本市场和货币市场会抽取一部分社会存量资金，导致以商业银行为主体间接融资系统的资金量降低，对商业银行的贷款和存款业务都会造成严重影响。 论文在阐述金融结构变化的基本特点和未来发展趋势基础的基础上，从金融机构结构变化、金融市场结构变化以及金融工具结构变化三个方面，深入分析了我国金融结构的变化对商业银行的冲击和影响，包括非银行金融机构对商业银行传统业务的冲击、间接融资方式为主的局面被打破、金融工具结构变化对银行业务结构和风险控制带来新的挑战、利率市场改变银行盈利结构等。最后，，论文提出了商业银行应对金融结构变化的主要策略，主要包括创新存贷业务、开展面向其他金融机构的托管业务、创新投资银行业务、发展网络金融业务加强利率风险管理。
[Abstract]:Since the reform and opening up, China's financial sector reform has gradually deepened, the financial structure has been optimized and adjusted. As the main body of financial system, commercial banks are facing more and more impact under the change of financial structure. Mature and sound capital market and money market will draw some of the social stock funds, which will lead to the reduction of the amount of the indirect financing system with commercial banks as the main body, which will have a serious impact on the loan and deposit business of commercial banks. On the basis of expounding the basic characteristics of the change of financial structure and the basis of the future development trend, the paper discusses the structural changes of financial institutions, the structural changes of financial markets and the structural changes of financial instruments. This paper deeply analyzes the impact and influence of the change of financial structure on commercial banks, including the impact of non-bank financial institutions on the traditional business of commercial banks, and the situation that indirect financing is dominant. The change of financial instruments structure brings new challenges to the banking business structure and risk control, and the interest rate market changes the profit structure of banks. Finally, the paper puts forward the main strategies for commercial banks to deal with the changes in financial structure, including innovative deposit and loan business, the development of other financial institutions for the custody business, innovative investment banking business. Develop network finance business to strengthen interest rate risk management.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33
本文编号：2257851
[Abstract]:Since the reform and opening up, China's financial sector reform has gradually deepened, the financial structure has been optimized and adjusted. As the main body of financial system, commercial banks are facing more and more impact under the change of financial structure. Mature and sound capital market and money market will draw some of the social stock funds, which will lead to the reduction of the amount of the indirect financing system with commercial banks as the main body, which will have a serious impact on the loan and deposit business of commercial banks. On the basis of expounding the basic characteristics of the change of financial structure and the basis of the future development trend, the paper discusses the structural changes of financial institutions, the structural changes of financial markets and the structural changes of financial instruments. This paper deeply analyzes the impact and influence of the change of financial structure on commercial banks, including the impact of non-bank financial institutions on the traditional business of commercial banks, and the situation that indirect financing is dominant. The change of financial instruments structure brings new challenges to the banking business structure and risk control, and the interest rate market changes the profit structure of banks. Finally, the paper puts forward the main strategies for commercial banks to deal with the changes in financial structure, including innovative deposit and loan business, the development of other financial institutions for the custody business, innovative investment banking business. Develop network finance business to strengthen interest rate risk management.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33
【参考文献】
相关期刊论文 前10条
1 马勇;;金融结构、银行发展与经济增长[J];财经科学;2010年02期
2 姜维俊;中国金融结构分析(下)[J];财贸经济;1999年06期
3 李吉平,陈民,唐克定;西方国家的批发银行与批发银行业务[J];城市金融论坛;2000年07期
4 孙伍琴;关于金融结构比较分析理论框架的设计思路[J];金融论坛;2003年04期
5 何昌;;发达国家金融结构演变的新趋势及其借鉴意义[J];金融论坛;2006年04期
6 陈刚;冯艳;杨亮;;中国银行业结构变迁与经济增长的实证研究[J];金融论坛;2008年10期
7 何晓夏;章林;;中国区域金融结构差异研究[J];金融论坛;2010年01期
8 姜炳麟;李梅;;金融结构与技术创新[J];产业与科技论坛;2006年06期
9 杨大楷,韩其成;民营企业商业信贷配给与相应信用担保体系完善[J];财政研究;2003年07期
10 张宜琪;;我国金融结构调整的思路探析[J];东北师大学报;2006年04期
本文编号：2257851
本文链接：https://www.wllwen.com/jingjilunwen/guojijinrong/2257851.html
