我国商业银行信贷集中研究

发布时间：2018-04-12 09:49

本文选题：商业银行 + 信贷集中　；参考：《首都经济贸易大学》2013年硕士论文

【摘要】：随着金融改革脚步的日趋迈进，，银行商业化和市场化发展蓬勃兴旺，但随之而来，金融市场上的信贷集中也日趋的明显。从短期来看，正是因为各类金融机构有能力自动根据市场上的经济运作规律和经济运行机制进行经济发展，所以信贷集中的形成是必然的，信贷集中也不完全是弊端，它体现了国家经济政策或行业政策的导向，对我国经济发展有巨大的推动作用。然而，从长期来看，信贷集中最大的危害就是，信贷的过度集中，会使得资金的风险加大，一但出现不利因素，给我国经济和金融市场造成的打击是不可预计的。信贷之所以集中，是因为人们理智上的短视性，信贷人员往往只注意到眼前的风险，而没有把目光放长远，关注到日后资金集中所造成的风险集中问题。信贷集中是一把双刃剑，怎样去看待信贷集中的问题，首先应该充分利用信贷集中的优点，再者应该预防信贷集中的弊端。在本文的论述中，首先在搜集数据上，选取了我国典型商业银行的信贷数据，并加以微调和整理。其次在这些数据的基础上，根据我国信贷集中的特点，选取了六个不同的方面，权限，资金、区域、客户类型、行业、期限进行信贷集中倾向的分析。接下来根据我国信贷集中的表现，以及产生的不良影响，通过针对我国信贷市场上信息不对称，“规模效益理论”和银企之间的博弈关系的理论研究，结合我国宏观的经济金融政策和银行人的行为金融学等现实角度的分析，说明我国信贷集中的特殊成因和必然性。最后，针对前文叙述的信贷集中的现象、特点、形成机理和形成原因，提出一些可行的解决我国信贷集中问题的对策建议。
[Abstract]:With the development of financial reform, the commercial and market-oriented development of banks is booming, but with it, the credit concentration in the financial market is becoming more and more obvious.In the short run, it is precisely because all kinds of financial institutions have the ability to carry out economic development automatically according to the laws and mechanisms of economic operation in the market, so the formation of credit concentration is inevitable, and credit concentration is not entirely a drawback.It reflects the guidance of national economic policy or industry policy, and has a great role in promoting the economic development of our country.However, in the long run, the greatest harm of credit concentration is that the excessive concentration of credit will increase the risk of capital. Once the adverse factors appear, the blow to our economy and financial market is unpredictable.Credit is concentrated because of the intellectual shortsightedness of people, credit personnel often only pay attention to immediate risks, not long-term, focus on the future concentration of funds caused by risk concentration.Credit centralization is a double-edged sword, how to look at the problem of credit concentration, we should make full use of the advantages of credit concentration, and then we should prevent the malpractice of credit concentration.In this paper, firstly, we select the credit data of typical commercial banks in our country, and fine-tune and sort them out.Secondly, on the basis of these data, according to the characteristics of credit concentration in China, this paper selects six different aspects, authority, capital, region, customer type, industry and term to analyze the tendency of credit concentration.Then, according to the performance of China's credit concentration and its adverse effects, through the information asymmetry, "economies of scale" and the game relationship between banks and enterprises in the credit market of China, the paper studies the theory of "scale benefit" and the game relationship between banks and enterprises.Based on the analysis of the macro economic and financial policy and the behavioral finance of the bank, this paper explains the special causes and inevitability of the credit concentration in China.Finally, in view of the phenomenon, characteristics, formation mechanism and reasons of credit concentration described above, some feasible countermeasures and suggestions to solve the problem of credit concentration in China are put forward.
【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】：2013
【分类号】：F832.4

【引证文献】