金融脱媒对我国商业银行经营模式影响研究

发布时间：2018-04-24 21:55

本文选题：金融脱媒 + 商业银行　；参考：《首都经济贸易大学》2014年硕士论文

【摘要】：金融脱媒又称“金融非中介化”,是指随着经济金融化、金融市场化进程的加快,资金的供求双方绕开金融中介直接进行资金融通的现象。自20世纪60年代在美国出现以来,已经对商业银行传统经营模式造成极大的冲击。商业银行为应对挑战,不断创新产品,探索新的业务领域,改组自身结构。通过半个世纪的变革,美国等西方发达国家商业银行成功应对金融脱媒造成的威胁,同时资本市场、货币市场在金融脱媒效应影响下获得了充分发展,建立了完善的金融体系,实现了银行和金融市场功能的竞争与互补,最终促进西方世界经济健康快速发展。改革开放30多年来,资本市场的发展及经济金融体制的改革,正改变着我国银行的经营环境,传统意义上的银行媒介作用被弱化,金融脱媒态势日益显现,因此借鉴西方发达国家经验,研究应对金融脱媒的对策,抓住脱媒这一契机,实现我国银行乃至金融体系的不断发展和完善已经成为当务之急。本文在充分总结前人成果的基础上主要分为以下三个步骤进行探讨：首先,从理论上全面梳理金融脱媒的产生和作用机制,奠定全文的理论基础；其次,分析我国金融脱媒的现状及动因；运用适当的量化模型对金融脱媒趋势进行分析,明确金融脱媒对商业银行的影响程度；最后,借鉴发达国家商业银行应对金融脱媒的经验,结合我国实际从金融功能观的视角为商业银行经营模式的合理转变提供意见和建议。
[Abstract]:Financial disintermediation, also known as "financial disintermediation", refers to the phenomenon that the supply and demand of funds circumvent the financial intermediation and direct financing with the acceleration of the process of economic finance and financial marketization. Since it appeared in the United States in 1960's, it has made a great impact on the traditional business model of commercial banks. In order to meet the challenges, commercial banks constantly innovate their products, explore new business areas and restructure their own structures. After half a century of reform, commercial banks in the United States and other western developed countries have successfully responded to the threat posed by financial disintermediation. Meanwhile, the capital markets and money markets have been fully developed under the influence of financial disintermediation effects, and a sound financial system has been established. It realizes the competition and complementation of the functions of banks and financial markets, and finally promotes the healthy and rapid development of the western world economy. Since the reform and opening up for more than 30 years, the development of capital market and the reform of economic and financial system are changing the operating environment of our country's banks. In the traditional sense, the role of bank media has been weakened, and the situation of financial disintermediation is becoming increasingly apparent. Therefore, it is urgent to learn from the experience of western developed countries, to study the countermeasures against financial disintermediation, to seize the opportunity of disintermediation, and to realize the continuous development and perfection of our banks and even the financial system. On the basis of summing up the previous achievements, this paper is divided into the following three steps: firstly, the theoretical basis of the full text is established by comprehensively combing the generation and mechanism of financial disintermediation in theory. Analyze the current situation and motivation of financial disintermediation in China; use appropriate quantitative model to analyze the trend of financial disintermediation and clarify the influence of financial disintermediation on commercial banks; finally, draw lessons from the experiences of commercial banks in developed countries in dealing with financial disintermediation. From the angle of view of financial function, this paper provides advice and suggestions for the rational transformation of commercial bank's management mode.
【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】：2014
【分类号】：F832.33;F832.5

【引证文献】