金融租赁对上市银行经营业绩的影响分析

发布时间：2018-04-25 16:37

本文选题：上市银行 + 综合化经营　；参考：《河北大学》2017年硕士论文

【摘要】：金融租赁作为现代租赁业的重要组成部分,在丰富融资方式、分散金融风险、服务实体经济方面发挥着重要作用。我国金融租赁兴起于20世纪80年代初期,虽然起步晚,发展过程曲折,但自2007年3月银监会颁布了新修订的《金融租赁公司管理办法》,允许符合一定条件的商业银行设立金融租赁公司后,金融租赁作为融资租赁业的重要组成部分获得了较快发展。截至2016年9月底,我国共有55家金融租赁公司,业务总量达1.907万亿元,占全国融资租赁业务总量的38.5%。银行系金融租赁公司的快速发展对于提高商业银行经营效益,促进商业银行战略转型,完善我国金融市场体系具有重要意义。本文从我国金融租赁的发展历程和发展现状出发,首先对银行系金融租赁公司在资金、业务协同、人才技术、风险管控、租后管理、收益分配及服务实体经济等方面与控股银行的相互关系进行了阐述,认为银行系金融租赁公司的快速发展离不开控股银行的支持,控股银行的综合化改革也脱离不开金融租赁,两者存在千丝万缕的联系。然后以我国10家上市银行以及分别由其控股的10家金融租赁公司为分析对象,运用大量数据、指标分层次分析了金融租赁对上市银行经营业务、资产规模、盈利状况、资产安全性及服务实体经济的影响,认为上市银行开展金融租赁业务是上市银行综合化改革的重要组成部分,是大势所趋。最后基于分析结果,结合我国实际情况,明确指出了银行系金融租赁公司在发展中还存在发展不平衡、资本补充机制不完善、发展路径狭窄、监管体制不合理、专业管理经验和专业人才匮乏等诸多问题,同时根据存在的问题从优化结构、补充资本、拓宽路径、加强监管及注重人才等方面提出了提高上市银行经营业绩的金融租赁发展对策。
[Abstract]:As an important part of modern leasing industry, financial leasing plays an important role in enriching financing methods, dispersing financial risks and serving real economy. China's financial leasing began in the early 1980s. Although it started late, the development process was tortuous. However, since the CBRC promulgated the newly revised Financial Leasing Company Management measures in March 2007, allowing commercial banks that meet certain conditions to set up financial leasing companies, financial leasing has developed rapidly as an important part of the financial leasing industry. By the end of September 2016, there were 55 financial leasing companies in China, with a total business volume of 1.907 trillion yuan, accounting for 38.5 percent of the country's total financial leasing business. The rapid development of financial leasing companies plays an important role in improving the operating efficiency of commercial banks, promoting the strategic transformation of commercial banks and perfecting the financial market system of our country. Based on the development history and present situation of financial leasing in China, this paper firstly analyzes the financial leasing companies in the aspects of capital, business cooperation, talent technology, risk control and post-lease management. The relationship between income distribution and service real economy and holding bank is expounded. It is concluded that the rapid development of bank as a financial leasing company can not be separated from the support of holding bank, and the comprehensive reform of holding bank can not be separated from financial lease. The two are inextricably linked. Then taking 10 listed banks in China and 10 financial leasing companies which are controlled by them as the analysis objects, using a large number of data, the paper analyzes the operation, asset scale and profit status of the listed banks by financial leasing in different levels. Because of the influence of asset security and service to the real economy, it is considered that the financial leasing business of listed banks is an important part of the comprehensive reform of listed banks and is the trend of the times. Finally, based on the analysis results, combined with the actual situation of our country, the author points out clearly that the development of banking financial leasing companies is not balanced, the capital supplement mechanism is not perfect, the development path is narrow, and the supervision system is unreasonable. At the same time, according to the existing problems, we should optimize the structure, replenish the capital, widen the path, Strengthening supervision and paying attention to talents and so on, this paper puts forward the development countermeasures of financial leasing to improve the operating performance of listed banks.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.49;F830.42

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