發(fā)布時間：2018-02-21 03:31

  本文關鍵詞： 銀行業(yè) 產業(yè)安全 評價　出處：《北京交通大學》2013年博士論文　論文類型：學位論文

【摘要】：銀行危機的頻發(fā)給世界各國帶來了系統(tǒng)性的銀行業(yè)安全問題。縱觀銀行業(yè)危機發(fā)生的特征,其固然與宏觀經濟形勢相關,但不可否認的是銀行體系本身的脆弱性無疑至關重要。隨著后危機時代的到來,全球投資、貿易格局以及經濟增長方式等都將發(fā)生重大變化,中國銀行業(yè)在新的機遇面前必將迎來更多的挑戰(zhàn),維系安全成為我國銀行業(yè)的一項長期使命。 然而,現(xiàn)有的關于中國銀行業(yè)整體產業(yè)安全性研究的文獻相對不夠豐富,大多將從外資進入的角度研究其對中國銀行業(yè)安全相關的某一方面特征或要素的影響,而缺少系統(tǒng)地研究銀行業(yè)安全影響因素、評價體系與產業(yè)預警體系建設的研究成果。一方面,銀行業(yè)安全研究的理論視角有待進一步豐富。產業(yè)安全理論經歷了幾十年的研究,其發(fā)展日趨成熟,進一步豐富了產業(yè)經濟學的理論框架,對實踐也起著越來越重要的指導作用。另一方面,產業(yè)安全是一門理論與實踐結合較為緊密的學科,具有較強的操作性,這就決定了對產業(yè)安全相關問題的研究不能僅僅停留在理論分析層面,更應深入到實踐中捕捉相關的問題。在此背景形勢下,本文以產業(yè)安全相關理論為支撐,試圖深入分析中國銀行產業(yè)安全現(xiàn)狀及面臨的主要問題,并尋求解決之道。為達到該研究目標,本文沿著以下思路進行了分析： 首先,對現(xiàn)有的關于產業(yè)安全、銀行業(yè)安全的相關文獻進行仔細的閱讀與整理,找出本文研究的切入點。在對中國銀行業(yè)運行及安全現(xiàn)狀分析的基礎上,結合相關理論基礎系統(tǒng)地分析中國銀行業(yè)安全的影響因素及作用機理。其次,本文通過構建銀行業(yè)安全綜合評價指標體系,進一步對2001-2012年中國銀行業(yè)產業(yè)安全度進行了實證分析,提出了銀行業(yè)安全預警體系及量化風險評估標準。最后,結合理論分析和實證分析的結果,本文提出了提升我國銀行業(yè)安全度的政策建議。 從研究內容及科技查新的結果看,本文首次應用產業(yè)安全理論對我國銀行業(yè)的產業(yè)安全問題進行了系統(tǒng)性研究,其創(chuàng)新點表現(xiàn)在以下方面： 第一,本文在梳理國內外研究成果的基礎上,創(chuàng)新性的界定了銀行業(yè)安全的內涵,并選取中國銀行業(yè)安全問題進行系統(tǒng)研究。銀行業(yè)安全具體包含三層含義,即：安全的主體是我國的銀行業(yè)；銀行業(yè)安全包括生存安全和發(fā)展安全兩個方面；產業(yè)安全度應通過綜合評價指標體系進行度量。與以往的研究成果多局限于研究影響銀行業(yè)安全的局部因素及應對問題相比,本文研究視野更為開闊和系統(tǒng)化。 第二,本文在導入產業(yè)安全理論、金融中介理論的基礎上,系統(tǒng)地闡述了影響中國銀行產業(yè)安全的主要影響因素及其傳導機制。同時,本文構建了一套銀行產業(yè)安全評價體系并進行實證分析,彌補國內在此方面研究的不足。 第三,針對后危機時代銀行業(yè)安全監(jiān)管的挑戰(zhàn),本文在國內外對比及趨勢分析的基礎上,建立銀行產業(yè)安全預警模型,并在實證研究的基礎上,構建了銀行業(yè)安全風險評估量表,從而進一步完善了銀行業(yè)風險的監(jiān)控機制,并提出了切合我國實際的銀行產業(yè)安全的維護策略。
[Abstract]:The frequent bank crisis has brought the banking security system for all countries in the world. The characteristics of the banking crisis, the macroeconomic situation and is relevant, but it is undeniable that the fragility of the banking system itself is undoubtedly essential. With the post crisis era, the global investment, trade structure and economic growth so there will be a great change in Chinese bank industry has more challenges in the face of the new opportunities will become a long-term, to maintain the safety of the mission of China's banking industry.
However, the existing research on the safety of the whole industry Chinese banking literature relatively rich enough, most of the influence from foreign capital in studying the correlation of China banking security one aspect or element, and the lack of systematic study of banking safety factors, research evaluation system and early warning system of construction industry. On the one hand, from the perspective of research on safety of banking industry need to be further enriched. Industrial security theory has experienced several decades of research, the development of increasingly mature, and further enrich the theory of industrial economics, the practice also plays a guiding role more and more important. On the other hand, industrial safety is a theory and practice closely linked with discipline, has strong operation, the study of issues related to the safety of the industry can not only stay in the theoretical level, should be more deep To capture relevant problems in practice. In this context, this paper takes the industrial safety theory as the foundation, to in-depth analysis of the status quo China bank industry security and the main problems, and seek solutions. To achieve the goal, this paper analyzed along the following lines:
Firstly, the existing literature on industrial safety, safety of banking industry are carefully read and organize, find the entry point of this paper. Based on the status of China banking operation and safety analysis on the effect of combining related theory basis of systematic analysis of China banking security factors and mechanism. Secondly, this paper by building a comprehensive evaluation index system of banking industry, further to 2001-2012 years Chinese banking industry safety by empirical analysis, put forward the criteria for the evaluation of the safety warning system and quantify the banking risk. Finally, combined with the results of theoretical and empirical analysis, the article put forward to promote China's banking security policy recommendations.
From the research contents and the results of sci-tech novelty search, this paper first applies the theory of industrial safety to systematically study the industrial security problems of China's banking industry, and its innovation is manifested in the following aspects.
First, based on the analysis of the domestic and foreign research results, innovation of the definition of the safety of banking industry, and select the Chinese banking security system research. The safety of banking industry includes three meanings, namely: security is the main body of China's banking industry; silver industry safety including safety and security of life the development of the two aspects of the industry; the degree of safety should be measured by the comprehensive evaluation index system. Compared with the local factors and previous research results are limited to research on the influence of banking security and deal with the problem, this paper studies more open vision and system.
Second, based on the introduction of industrial safety theory, based on the theory of financial intermediation system, expounds the main factors affecting the Chinese bank industry security and its transmission mechanism. At the same time, this paper constructs a set of banking industry safety evaluation system and empirical analysis, lack of research in the domestic Mi supplement.
Third, the banking crisis challenges for safety supervision, this paper compared and trends at home and abroad on the analysis of the establishment of bank industry security early warning model, and on the basis of empirical research, the construction of the safety risk assessment of banking industry, and further improving the monitoring mechanism of banking risks, and put forward in accordance with China's actual banking industry security maintenance strategy.

【學位授予單位】：北京交通大學
【學位級別】：博士
【學位授予年份】：2013
【分類號】：F832.3

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本文編號：1520872