本文選題：銀行業(yè)風(fēng)險(xiǎn)　切入點(diǎn)：市場(chǎng)環(huán)境　出處：《中共中央黨�！�2014年碩士論文

【摘要】：近年來(lái)，，中國(guó)銀行業(yè)在經(jīng)營(yíng)規(guī)模和效益上都保持了較快的發(fā)展速度。銀行業(yè)資產(chǎn)規(guī)模的持續(xù)擴(kuò)大使得其在國(guó)民經(jīng)濟(jì)體系中的地位和重要性與日俱增，與此同時(shí)，銀行業(yè)風(fēng)險(xiǎn)問(wèn)題對(duì)于宏觀經(jīng)濟(jì)運(yùn)行的影響也更為深刻。因此，研究中國(guó)銀行業(yè)的風(fēng)險(xiǎn)問(wèn)題有較強(qiáng)的現(xiàn)實(shí)意義。 本文研究的是影響中國(guó)銀行業(yè)風(fēng)險(xiǎn)因素問(wèn)題，以當(dāng)下中國(guó)銀行業(yè)所處的市場(chǎng)環(huán)境、所具備的公司治理能力和所面臨的監(jiān)管制度約束作為研究的出發(fā)點(diǎn)，認(rèn)為市場(chǎng)環(huán)境是對(duì)銀行業(yè)經(jīng)營(yíng)管理與風(fēng)險(xiǎn)問(wèn)題的外在影響，公司治理則是銀行業(yè)風(fēng)險(xiǎn)的內(nèi)生性因素，同時(shí)，監(jiān)管制度的設(shè)計(jì)與相關(guān)監(jiān)管政策的具體實(shí)施也對(duì)銀行業(yè)風(fēng)險(xiǎn)有著顯著的影響。本文較為全面的回顧總結(jié)了國(guó)內(nèi)外相關(guān)的研究成果，并密切聯(lián)系中國(guó)銀行業(yè)發(fā)展的實(shí)際情況，首先較為系統(tǒng)的從理論上分析了這三個(gè)因素的成因及其對(duì)中國(guó)銀行業(yè)風(fēng)險(xiǎn)的影響，然后通過(guò)中國(guó)銀行業(yè)近年的實(shí)證數(shù)據(jù)進(jìn)一步論證觀點(diǎn)，最后根據(jù)中國(guó)銀行業(yè)發(fā)展現(xiàn)狀分析相應(yīng)理論啟示并提出政策建議。 本文綜合運(yùn)用了文獻(xiàn)綜述法、定性與定量相結(jié)合等研究方法，全文分為五個(gè)部分：引言介紹了研究的背景、方法與意義；第二部分為理論回顧與文獻(xiàn)綜述，梳理相關(guān)研究情況；第三部分簡(jiǎn)要說(shuō)明了中國(guó)銀行業(yè)的發(fā)展現(xiàn)狀，并從理論上分析了中國(guó)銀行業(yè)風(fēng)險(xiǎn)產(chǎn)生的深層次原因；第四部分主要是通過(guò)對(duì)于近年中國(guó)銀行業(yè)經(jīng)營(yíng)管理相關(guān)數(shù)據(jù)的收集整理，對(duì)影響銀行業(yè)風(fēng)險(xiǎn)的因素進(jìn)行實(shí)證考察；第五部分，聯(lián)系中國(guó)銀行業(yè)的發(fā)展的實(shí)際狀況得出啟示與結(jié)論，并對(duì)銀行業(yè)風(fēng)險(xiǎn)的防范提出政策建議。
[Abstract]:In recent years, China's banking industry has maintained a rapid development rate in terms of business scale and efficiency. The continuous expansion of banking assets has made it more and more important in the national economic system, and at the same time, Therefore, it is of great practical significance to study the banking risk in China. This paper studies the risk factors of China's banking industry, taking the current market environment, corporate governance ability and regulatory system constraints as the starting point of the study. The author thinks that the market environment is the external influence on banking management and risk, while corporate governance is the endogenous factor of banking risk, at the same time, The design of regulatory system and the implementation of relevant regulatory policies also have a significant impact on banking risk. This paper comprehensively reviews and summarizes the relevant research results at home and abroad, and closely relates to the actual situation of the development of China's banking industry. Firstly, it systematically analyzes the causes of these three factors and their influence on the risk of China's banking industry in theory, and then further demonstrates the viewpoint through the empirical data of China's banking industry in recent years. Finally, according to the development of China's banking industry, the corresponding theoretical implications are analyzed and policy recommendations are put forward. This paper synthetically uses the literature review method, qualitative and quantitative research methods, the full text is divided into five parts: the introduction introduces the background, method and significance of the research, the second part is the theoretical review and literature review, the second part is the theoretical review and literature review. The third part briefly explains the development of China's banking industry, and theoretically analyzes the deep-seated causes of China's banking risks. The fourth part is mainly through the collection and collation of the data related to the banking management in recent years, the factors that affect the banking risk are empirically investigated; the fifth part, The enlightenment and conclusion are drawn from the actual situation of the development of China's banking industry, and some policy suggestions on the prevention of banking risks are put forward.
【學(xué)位授予單位】：中共中央黨校
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33

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