我国商业银行信贷扩张对信贷资产质量的影响研究

发布时间：2018-08-24 14:25

【摘要】：2008年全球金融危机之后,全球经济处于低迷状态,我国面对全球金融风暴进一步扩大内需,中国政府出台了4万亿经济刺激政策。商业银行在宽松货币政策和稳健财政政策引导下,信贷规模扩大、信贷增速加快,在2009年信贷扩张增速达到近20年来的最高峰值,信贷规模高达80万亿元。2014年中国经济进入新常态,商业银行同时受到金融脱媒、存贷利差收窄、互联网金融、民间借贷等影响,信贷规模扩张速度下降。商业银行追求利益最大化同时积极配合宏观经济政策,以确保国家金融市场健康稳定发展。现阶段商业银行“走出去”战略处于快速发展期,银行业的繁荣必然引起信贷资产的扩张,而商业银行的信贷扩张会带来信贷资产质量问题。2016年7月召开“中国银行业发展论坛”,会议指出自2004年国有银行核销不良资产、股份制改革后,中国银行业将面临宏观经济不景气、不良资产上升以及盈利能力下降等多重压力,应抓住利率市场化和人民币国际化等良好契机、摆脱经营困境、实现银行业创新转型。2015年10月IMF发布《全球金融稳定报告》指出,全球金融稳定面临的风险上升,中国经济增长转型的不确定性加大了对全球市场的溢出效应,这些发展变化导致金融条件收紧、风险偏好下降、信用风险上升,损害金融稳定。被誉为商业银行生命线的信贷资产作为能预期带来未来经济利益和行业发展的主要资源,其规模大小影响商业银行资产规模,其质量高低直接影响到商业银行经营效益和长期发展。在紧缩宏观经济环境、银行业快速信贷扩张以及信贷资产风险问题凸显的背景下,人们对信贷扩张与信贷资产质量之间关系更为关注。对此,本文将信贷扩张与信贷资产质量两者紧密联系在一起,研究商业银行信贷资产扩张对信贷资产质量的影响,为我国商业银行进行信贷扩张、商业银行“走出去”同时保证良好信贷资产质量、改善资源配置水平、提高信贷资产管理水平、降低不良贷款率提出有效政策与建议。
[Abstract]:After the global financial crisis in 2008, the global economy is in a depressed state. In the face of the global financial turmoil, China has further expanded domestic demand, and the Chinese government has issued a $4 trillion economic stimulus policy. Under the guidance of loose monetary policy and prudent fiscal policy, commercial banks expanded their credit scale and accelerated their credit growth rate. In 2009, the growth rate of credit expansion reached its highest level in nearly 20 years. China's economy entered a new normal in 2014, and commercial banks were also affected by financial disintermediation, narrowing deposit and loan spreads, Internet finance, private lending, and so on. Commercial banks pursue profit maximization and actively cooperate with macroeconomic policies in order to ensure the healthy and stable development of national financial market. At present, the "going out" strategy of commercial banks is in a period of rapid development, and the prosperity of the banking industry will inevitably lead to the expansion of credit assets. The credit expansion of commercial banks will bring about credit asset quality problems. In July 2016, the "China Banking Development Forum" was held, which pointed out that since 2004, the state-owned banks have written off non-performing assets, and since the shareholding system reform, The Chinese banking industry will face many pressures, such as the macroeconomic depression, the rise of non-performing assets and the decline in profitability. We should seize the good opportunities such as the marketization of interest rates and the internationalization of the renminbi to get rid of the difficult business situation. The Global Financial Stability report released by the IMF in October 2015 points out that the risks to global financial stability are rising, and the uncertainty of China's economic growth transformation has increased the spillover effect on the global market. These developments lead to tighter financial conditions, lower risk appetite and higher credit risk, which damage financial stability. Credit assets, which are regarded as the lifelines of commercial banks, are the main resources that can bring future economic benefits and industry development, and their size affects the scale of commercial banks' assets. The quality of commercial banks directly affects the efficiency and long-term development. People pay more attention to the relationship between credit expansion and credit asset quality against the background of tightening macroeconomic environment, rapid credit expansion and credit asset risk. In this paper, credit expansion and credit asset quality are closely linked, and the impact of credit asset expansion on credit asset quality of commercial banks is studied. Commercial banks "go out" at the same time to ensure good quality of credit assets, improve the level of resource allocation, improve the level of management of credit assets, and reduce the rate of non-performing loans put forward effective policies and suggestions.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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