我国商业银行投贷联动业务发展研究

发布时间：2018-01-21 08:45

本文关键词： 商业银行投贷联动模式比较风险管理　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国经济呈现"新常态",经济换挡进入中高速发展时期,经济下行,使得企业经营效益下降,企业信用债违约增加,这将对银行信贷资产质量产生不利影响。面对这种情况,银行必须探索新的模式,降低信贷风险敞口。互联网金融的产生和发展不仅弱化了商业银行的支付功能,而且加速了商业银行的金融脱媒,这也促使商业银行进行业务创新,以谋求更好更长远的发展。国家实施创新驱动发展战略,大力推进"大众创业万众创新",涌现出大量的科创企业,但由于科创企业轻资产高风险未来发展不确定性的特点导致其融资困难。为发挥银行业金融机构对科创企业发展的作用,银监会等鼓励和指导银行业金融机构尝试开展投贷联动业务。供给侧结构性改革也为商业银行经营发展带来了新机遇,通过对科创企业开展投贷联动业务,抓住信贷和投资业务的新机遇,实现自身的转型。本文通过对我国商业银行投贷联动业务发展的SWOT分析、模式分析和开展投贷联动业务案例的分析,找出目前我国商业银行投贷联动业务发展中存在的问题,并提出对策,以促进我国商业银行投贷联动业务健康持续发展。本文通过文献综述研究法简单介绍了目前商业银行投贷联动业务模式以及监管等理论方面的研究成果,为本文对我国商业银行投贷联动业务发展研究做好铺垫;运用对比分析法对我国商业银行投贷联动业务发展的模式中各自的优势和不足进行对比,得出我国商业银行通过设立投资支行和科技金融专营支行开展投贷联动业务是正统、终极模式,同时我国商业银行投贷联动业务的发展需要根据银行自身的情况选择投贷联动模式,对于风险承受能力强的银行应该把内外部投贷联动模式结合,更好的发挥投贷联动不同模式各自的优势;风险承受能力弱的银行尝试投贷联动业务可以选择与风险投资机构或者与其他企业建立投资基金的模式开展;通过案例分析法将不同模式的结合融入到设计的案例中,展示了一个完整的流程,并分析当前我国商业银行投贷联动业务发展面临的问题,并针对银行开展投贷联动业务的劣势和当前面临的问题提出对策。
[Abstract]:The economy of our country presents "the new normal", the economic shift enters the period of high speed development, the economy goes down, causes the enterprise to operate the benefit to fall, the enterprise credit debt defaults the increase. This will have a negative impact on the quality of bank credit assets. Faced with this situation, banks must explore new models. The emergence and development of Internet finance not only weakens the payment function of commercial banks, but also accelerates the financial disintermediation of commercial banks, which also promotes the business innovation of commercial banks. In order to seek for better and more long-term development, the state implements the strategy of innovation-driven development, vigorously promotes the "masses of entrepreneurial innovation", and emerges a large number of innovative enterprises. However, because of the uncertain characteristics of the future development of Kechong enterprise with light assets and high risk, it is difficult to finance it, so as to give full play to the role of banking financial institutions in the development of Kechong enterprise. The CBRC encourages and instructs banking financial institutions to try to carry out joint investment and loan business. The supply-side structural reform also brings new opportunities for the development of commercial banks. Seize the new opportunities of credit and investment business to realize their own transformation. This paper analyzes the development of the joint investment and loan business of commercial banks in China through SWOT analysis model analysis and analysis of the case of joint investment and loan business. This paper finds out the problems existing in the development of the joint investment and loan business of commercial banks in China, and puts forward some countermeasures. In order to promote the healthy and sustainable development of China's commercial banks' investment and loan linkage business, this paper briefly introduces the current commercial bank investment and loan linkage business model and supervision and other theoretical research results through literature review. This paper lays the groundwork for the research on the development of the joint investment and loan business of commercial banks in China. The comparative analysis method is used to compare the advantages and disadvantages of commercial banks in the mode of development of investment and loan linkage business in our country. It is the orthodox and ultimate mode for China's commercial banks to set up investment branches and specialized branches of science and technology finance to carry out the joint investment and loan business. At the same time, the development of Chinese commercial banks' investment and loan linkage business needs to choose the investment and loan linkage mode according to the bank's own situation, and the banks with strong risk bearing ability should combine the internal and external investment and loan linkage mode. Better play the respective advantages of different modes of investment and loan linkage; Banks with weak risk bearing ability can choose the mode of establishing investment funds with venture capital institutions or with other enterprises. Through the method of case analysis, the paper integrates different models into the design case, shows a complete process, and analyzes the problems facing the development of the joint investment and loan business of commercial banks in our country. At the same time, the paper puts forward the countermeasures against the disadvantages and problems that banks face in carrying out the joint investment and lending business.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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