金融脱媒下中国商业银行资产管理研究

发布时间：2018-06-07 17:21

本文选题：金融脱媒 + 商业银行　；参考：《吉林财经大学》2017年硕士论文

【摘要】：金融脱媒是指资金需求者绕开金融机构直接从资金供应者手中获取资金的现象,最早出现在20世纪60年代的美国,存款利率存在上限管制,导致大量的存款流失,资金转而投向收益更高的资本市场,经过长达半个世纪的发展,金融脱媒逐步成为国内外金融板块的产物和世界经济格局的主流,在金融脱媒的背景下,各国商业银行都进行自身业务模式的创新。目前有关金融脱媒背景下中国商业银行如何进行资产管理方面的的研究比较少,国内外研究局限于在金融脱媒的背景下商业银行如何应对,并没有明确说明商业银行资产管理如何进行优化组合。本文在借鉴外国商业银行资产管理经验的基础上,总结自身存在的不足,指出在全球资产管理规模飞速增长的今天,随着我国金融改革不断深化,加强商业银行资产管理势在必行。本文分别运用系统研究法、文献研究法、案例分析法与比较分析法,以金融脱媒与资产管理为研究主线,首先阐述了金融脱媒的发展历程,分析金融脱媒下商业银行资产管理的现状;此后探讨了金融脱媒对中国商业银行资产管理的影响,并通过对国外商业银行在金融脱媒的背景下资产管理的实践进行对比,找出差距所在的渠道,总结值得借鉴的经验;最后提出在金融脱媒背景下,我国商业银行资产管理在产品、业务、服务等方面的创新思考。本文的创新之处通过三个方面体现出来的:首先,本文通过对美国、日本、印度等国的商业银行资产管理进行比较分析,得出中国商业银行资产管理应该在哪些方面进行创新。其次,本文通过定性分析,对商业银行资产智能化、数字化及KYP金融服务新型模式进行创新研究,构建我国商业银行资产产品、业务与服务管理的多元化创新模式。最后,本文通过设计线上与线下资产管理的融合创新模式,实现资金供需双方有效联通,扩宽资产渠道,降低资产成本,提升资产管理质量。
[Abstract]:Financial disintermediation refers to the phenomenon that money demanders bypass financial institutions to obtain funds directly from fund suppliers. It first appeared in the United States in the 1960s, where there is a cap on deposit interest rates, which results in a large amount of deposits being lost. After half a century of development, financial disintermediation has gradually become the product of domestic and foreign financial plates and the mainstream of the world economic pattern. Under the background of financial disintermediation, Commercial banks all over the world are innovating their own business models. At present, there are few studies on how Chinese commercial banks carry out asset management in the context of financial disintermediation. Domestic and foreign studies are limited to how commercial banks deal with it in the context of financial disintermediation. There is no clear explanation of how to optimize the portfolio of commercial bank asset management. Based on the experience of foreign commercial banks' asset management, this paper sums up their shortcomings and points out that with the rapid growth of global asset management scale, with the deepening of China's financial reform, It is imperative to strengthen the asset management of commercial banks. This paper uses system research, literature research, case analysis and comparative analysis, taking financial disintermediation and asset management as the main line of study, first of all, it expounds the development of financial disintermediation. This paper analyzes the current situation of asset management of commercial banks under financial disintermediation, then discusses the influence of financial disintermediation on asset management of Chinese commercial banks, and compares the practices of foreign commercial banks in asset management under the background of financial disintermediation. Find out the channel where the gap lies, sum up the experience that is worth using for reference; at last, put forward the innovative thinking of asset management of our commercial bank in product, business, service and so on under the background of financial disintermediation. The innovation of this paper is reflected in three aspects: first, through the comparative analysis of the asset management of commercial banks in the United States, Japan, India and other countries, we can find out which aspects of asset management of Chinese commercial banks should be innovated. Secondly, through qualitative analysis, this paper innovates the new model of intelligent, digitized and KYP financial service of commercial bank, and constructs the diversified innovation mode of asset product, business and service management of commercial bank in China. Finally, by designing the innovative model of online and offline asset management, the paper realizes the effective connection between supply and demand of capital, broadens the asset channel, reduces the asset cost, and improves the quality of asset management.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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