本文關(guān)鍵詞： 商業(yè)銀行 投貸聯(lián)動(dòng) 模式比較 風(fēng)險(xiǎn)管理　出處：《安徽大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：我國(guó)經(jīng)濟(jì)呈現(xiàn)"新常態(tài)",經(jīng)濟(jì)換擋進(jìn)入中高速發(fā)展時(shí)期,經(jīng)濟(jì)下行,使得企業(yè)經(jīng)營(yíng)效益下降,企業(yè)信用債違約增加,這將對(duì)銀行信貸資產(chǎn)質(zhì)量產(chǎn)生不利影響。面對(duì)這種情況,銀行必須探索新的模式,降低信貸風(fēng)險(xiǎn)敞口�；ヂ�(lián)網(wǎng)金融的產(chǎn)生和發(fā)展不僅弱化了商業(yè)銀行的支付功能,而且加速了商業(yè)銀行的金融脫媒,這也促使商業(yè)銀行進(jìn)行業(yè)務(wù)創(chuàng)新,以謀求更好更長(zhǎng)遠(yuǎn)的發(fā)展。國(guó)家實(shí)施創(chuàng)新驅(qū)動(dòng)發(fā)展戰(zhàn)略,大力推進(jìn)"大眾創(chuàng)業(yè)萬(wàn)眾創(chuàng)新",涌現(xiàn)出大量的科創(chuàng)企業(yè),但由于科創(chuàng)企業(yè)輕資產(chǎn)高風(fēng)險(xiǎn)未來(lái)發(fā)展不確定性的特點(diǎn)導(dǎo)致其融資困難。為發(fā)揮銀行業(yè)金融機(jī)構(gòu)對(duì)科創(chuàng)企業(yè)發(fā)展的作用,銀監(jiān)會(huì)等鼓勵(lì)和指導(dǎo)銀行業(yè)金融機(jī)構(gòu)嘗試開展投貸聯(lián)動(dòng)業(yè)務(wù)。供給側(cè)結(jié)構(gòu)性改革也為商業(yè)銀行經(jīng)營(yíng)發(fā)展帶來(lái)了新機(jī)遇,通過(guò)對(duì)科創(chuàng)企業(yè)開展投貸聯(lián)動(dòng)業(yè)務(wù),抓住信貸和投資業(yè)務(wù)的新機(jī)遇,實(shí)現(xiàn)自身的轉(zhuǎn)型。本文通過(guò)對(duì)我國(guó)商業(yè)銀行投貸聯(lián)動(dòng)業(yè)務(wù)發(fā)展的SWOT分析、模式分析和開展投貸聯(lián)動(dòng)業(yè)務(wù)案例的分析,找出目前我國(guó)商業(yè)銀行投貸聯(lián)動(dòng)業(yè)務(wù)發(fā)展中存在的問(wèn)題,并提出對(duì)策,以促進(jìn)我國(guó)商業(yè)銀行投貸聯(lián)動(dòng)業(yè)務(wù)健康持續(xù)發(fā)展。本文通過(guò)文獻(xiàn)綜述研究法簡(jiǎn)單介紹了目前商業(yè)銀行投貸聯(lián)動(dòng)業(yè)務(wù)模式以及監(jiān)管等理論方面的研究成果,為本文對(duì)我國(guó)商業(yè)銀行投貸聯(lián)動(dòng)業(yè)務(wù)發(fā)展研究做好鋪墊;運(yùn)用對(duì)比分析法對(duì)我國(guó)商業(yè)銀行投貸聯(lián)動(dòng)業(yè)務(wù)發(fā)展的模式中各自的優(yōu)勢(shì)和不足進(jìn)行對(duì)比,得出我國(guó)商業(yè)銀行通過(guò)設(shè)立投資支行和科技金融專營(yíng)支行開展投貸聯(lián)動(dòng)業(yè)務(wù)是正統(tǒng)、終極模式,同時(shí)我國(guó)商業(yè)銀行投貸聯(lián)動(dòng)業(yè)務(wù)的發(fā)展需要根據(jù)銀行自身的情況選擇投貸聯(lián)動(dòng)模式,對(duì)于風(fēng)險(xiǎn)承受能力強(qiáng)的銀行應(yīng)該把內(nèi)外部投貸聯(lián)動(dòng)模式結(jié)合,更好的發(fā)揮投貸聯(lián)動(dòng)不同模式各自的優(yōu)勢(shì);風(fēng)險(xiǎn)承受能力弱的銀行嘗試投貸聯(lián)動(dòng)業(yè)務(wù)可以選擇與風(fēng)險(xiǎn)投資機(jī)構(gòu)或者與其他企業(yè)建立投資基金的模式開展;通過(guò)案例分析法將不同模式的結(jié)合融入到設(shè)計(jì)的案例中,展示了一個(gè)完整的流程,并分析當(dāng)前我國(guó)商業(yè)銀行投貸聯(lián)動(dòng)業(yè)務(wù)發(fā)展面臨的問(wèn)題,并針對(duì)銀行開展投貸聯(lián)動(dòng)業(yè)務(wù)的劣勢(shì)和當(dāng)前面臨的問(wèn)題提出對(duì)策。
[Abstract]:The economy of our country presents "the new normal", the economic shift enters the period of high speed development, the economy goes down, causes the enterprise to operate the benefit to fall, the enterprise credit debt defaults the increase. This will have a negative impact on the quality of bank credit assets. Faced with this situation, banks must explore new models. The emergence and development of Internet finance not only weakens the payment function of commercial banks, but also accelerates the financial disintermediation of commercial banks, which also promotes the business innovation of commercial banks. In order to seek for better and more long-term development, the state implements the strategy of innovation-driven development, vigorously promotes the "masses of entrepreneurial innovation", and emerges a large number of innovative enterprises. However, because of the uncertain characteristics of the future development of Kechong enterprise with light assets and high risk, it is difficult to finance it, so as to give full play to the role of banking financial institutions in the development of Kechong enterprise. The CBRC encourages and instructs banking financial institutions to try to carry out joint investment and loan business. The supply-side structural reform also brings new opportunities for the development of commercial banks. Seize the new opportunities of credit and investment business to realize their own transformation. This paper analyzes the development of the joint investment and loan business of commercial banks in China through SWOT analysis model analysis and analysis of the case of joint investment and loan business. This paper finds out the problems existing in the development of the joint investment and loan business of commercial banks in China, and puts forward some countermeasures. In order to promote the healthy and sustainable development of China's commercial banks' investment and loan linkage business, this paper briefly introduces the current commercial bank investment and loan linkage business model and supervision and other theoretical research results through literature review. This paper lays the groundwork for the research on the development of the joint investment and loan business of commercial banks in China. The comparative analysis method is used to compare the advantages and disadvantages of commercial banks in the mode of development of investment and loan linkage business in our country. It is the orthodox and ultimate mode for China's commercial banks to set up investment branches and specialized branches of science and technology finance to carry out the joint investment and loan business. At the same time, the development of Chinese commercial banks' investment and loan linkage business needs to choose the investment and loan linkage mode according to the bank's own situation, and the banks with strong risk bearing ability should combine the internal and external investment and loan linkage mode. Better play the respective advantages of different modes of investment and loan linkage; Banks with weak risk bearing ability can choose the mode of establishing investment funds with venture capital institutions or with other enterprises. Through the method of case analysis, the paper integrates different models into the design case, shows a complete process, and analyzes the problems facing the development of the joint investment and loan business of commercial banks in our country. At the same time, the paper puts forward the countermeasures against the disadvantages and problems that banks face in carrying out the joint investment and lending business.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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