本文選題：金融脫媒 + 商業(yè)銀行�。� 參考：《西北大學(xué)》2014年碩士論文

【摘要】：在全球經(jīng)濟(jì)一體化以及金融發(fā)展國際化的背景下,我國金融體制改革不斷推進(jìn),資本市場迅速發(fā)展,出現(xiàn)了貨幣資金繞開金融中介而直接在需求雙方進(jìn)行融通的“金融脫媒”現(xiàn)象。本文運(yùn)用理論與實(shí)證、定性與定量相結(jié)合的方法旨在研究金融脫媒及其對商業(yè)銀行的影響。首先在國內(nèi)外相關(guān)的理論研究基礎(chǔ)上,結(jié)合我國實(shí)際描述金融脫媒在商業(yè)銀行與非銀行金融機(jī)構(gòu)、社會融資規(guī)模與融資結(jié)構(gòu)等方面的發(fā)展現(xiàn)狀。從金融深化、投資觀念轉(zhuǎn)變、信息技術(shù)發(fā)展以及政策支持等角度分析其在我國產(chǎn)生的根本原因。在此基礎(chǔ)之上引出本文的理論研究成果,即金融脫媒對商業(yè)銀行的影響：一方面,金融脫媒影響商業(yè)銀行的傳統(tǒng)業(yè)務(wù)、盈利能力及風(fēng)險管理要求；另一方面,金融脫媒推動商業(yè)銀行發(fā)展中間業(yè)務(wù),提高非利息收入,轉(zhuǎn)變經(jīng)營模式并提供資本市場平臺來增強(qiáng)實(shí)力。接著基于商業(yè)銀行傳統(tǒng)業(yè)務(wù)的視角,建立向量自回歸模型和脈沖響應(yīng)函數(shù)等計(jì)量經(jīng)濟(jì)方法來驗(yàn)證金融脫媒對商業(yè)銀行的影響,得到金融脫媒會導(dǎo)致商業(yè)銀行存貸款增量的減少,且二者存在長期關(guān)系等實(shí)證研究成果。最后,根據(jù)理論與實(shí)證分析的結(jié)論提出合理建議。總而言之,金融脫媒是把雙刃劍,我國商業(yè)銀行應(yīng)該化挑戰(zhàn)為機(jī)遇,加快改革與創(chuàng)新,把握金融脫媒帶來的各種良機(jī),實(shí)現(xiàn)質(zhì)的飛躍。
[Abstract]:Under the background of global economic integration and the internationalization of financial development, the reform of China's financial system continues to advance, and the capital market develops rapidly.The phenomenon of financial disintermediation occurs when money funds circumvent financial intermediation and directly meet the needs of both sides.The purpose of this paper is to study financial disintermediation and its influence on commercial banks by means of theoretical and empirical, qualitative and quantitative methods.Firstly, on the basis of theoretical research at home and abroad, this paper describes the development of financial disintermediation in commercial banks and non-bank financial institutions, social financing scale and financing structure.This paper analyzes the fundamental causes of financial deepening, investment concept change, information technology development and policy support in China.On this basis, the theoretical research results of this paper are drawn, that is, the impact of financial disintermediation on commercial banks: on the one hand, financial disintermediation affects the traditional business, profitability and risk management requirements of commercial banks; on the other hand,Financial disintermediation promotes commercial banks to develop intermediary business, increase non-interest income, change business model and provide capital market platform to strengthen their strength.Then based on the traditional business perspective of commercial banks, we establish vector autoregressive model and impulse response function to verify the impact of financial disintermediation on commercial banks, and get that financial disintermediation will lead to the decrease of deposit and loan increment of commercial banks.And there is a long-term relationship between the two empirical research results.Finally, according to the conclusions of theoretical and empirical analysis, reasonable suggestions are put forward.In a word, financial disintermediation is a double-edged sword. Our commercial banks should turn challenges into opportunities, speed up reform and innovation, grasp all kinds of opportunities brought by financial disintermediation, and realize a qualitative leap.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.1;F832.33

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