经济新常态下上市商业银行财务风险研究

发布时间：2018-05-08 18:42

  本文选题：经济新常态 + 上市商业银行　； 参考：《东北石油大学》2017年硕士论文

【摘要】：上市商业银行风险管理工作的重中之重是其财务风险管理工作,因为财务风险是上市商业银行日常经营活动中不可避免且经常遇到的主要风险。当前我国经济已经进入到新的发展阶段,新的发展阶段因经济发展存在新的变化而被称为经济新常态。在经济新常态中我国经济面临着利率市场化加速、金融互联网化快速发展、资金供需失衡、上市商业银行监管力度急需强化、直接融资市场快速崛起等新变化,这些改变都将给上市商业银行的日常经营带来严重挑战,使得上市商业银行的财务风险发生变化。经济新常态的出现比较突然,因此我国对上市商业银行在经济新常态下财务风险的变化尚未展开全面而系统的研究,也就无法掌握经济新常态下上市商业银行真实的财务风险管理和控制能力。本文首先在充分理解上市商业银行财务风险和经济新常态等理论概念的基础上,对经济新常态下上市商业银行经营所受到的影响进行全面分析,从而全面了解上市商业银行财务风险的新变化。其次根据上市商业银行财务风险的新变化,构建其经济新常态下财务风险评价指标体系,选用集值迭代法作为指标体系中指标权重的计算方法。最后选取在我国沪深两个证券交易所上市的18家商业银行,运用灰色关联度法进行实证研究,分析它们的财务风险状况和财务风险能力,并以此为前提,提出上市商业银行财务风险控制方面的一些建议。希望本文的研究内容能为经济新常态下商业银行的财务风险管理提供参考,具有实际借鉴意义。
[Abstract]:The most important task of listed commercial bank risk management is its financial risk management, because financial risk is the main risk which is inevitable and often encountered in the daily operation of listed commercial banks. At present, China's economy has entered a new stage of development, the new stage of development due to the existence of new changes in economic development, known as the new normal economy. In the new normal of economy, our economy is facing new changes, such as the acceleration of marketization of interest rate, the rapid development of financial Internet, the imbalance between supply and demand of funds, the urgent need to strengthen the supervision of listed commercial banks, the rapid rise of direct financing market, and so on. These changes will bring serious challenges to the daily operation of listed commercial banks and make the financial risks of listed commercial banks change. The emergence of the new normal of the economy is quite sudden, so our country has not carried out a comprehensive and systematic study on the changes of financial risks of listed commercial banks under the new economic normal. It is impossible to grasp the real financial risk management and control ability of listed commercial banks under the new normal state of economy. Firstly, on the basis of fully understanding the theoretical concepts of financial risk and economic new normal of listed commercial banks, this paper makes a comprehensive analysis of the influence on the operation of listed commercial banks under the new normal state of economy. In order to fully understand the listed commercial bank financial risks of the new changes. Secondly, according to the new changes of financial risk of listed commercial banks, the evaluation index system of financial risk under the new normal state of economy is constructed, and the set-valued iterative method is chosen as the calculation method of index weight in the index system. Finally, 18 commercial banks listed on two stock exchanges in Shanghai and Shenzhen are selected to make an empirical study by using the grey correlation degree method to analyze their financial risk status and financial risk capability, and take this as the premise. Some suggestions on financial risk control of listed commercial banks are put forward. It is hoped that the research content of this paper can provide a reference for the financial risk management of commercial banks under the new normal state of economy.
【学位授予单位】：东北石油大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42
，

本文编号：1862581