金融脱媒对商业银行的影响研究

摘要随着我国社会经济和资本市场的不断发展，我国商业银行作为重要的融资中介的地位受到金融市场直接融资的巨大挑战，“金融脱媒”日益明显。本论文从我国金融脱媒的现状和原因入手，以银行的的视角，分析金融脱媒给商业银行带来的机遇和挑战并通过实证分析的方法证明金融脱媒对商业银行造成了影响。在此基础上，建议我国商业银行必须更新经营思路，化机遇为挑战，推进经营模式转型和业务创新来文持原来的利润并寻找新的利润点等以应对金融脱媒。19359
关键词：商业银行金融脱媒金融中介直接融资间接融资
毕业论文外文摘要
Title   Research on the Impact of Financial Disintermediation of Commercial banks
   Abstract
With the development of China's economic development and capital markets, commercial banks's status as a major financial intermediary is challenged by direct financing of the in the financial markets and the trend of financial disintermediation is becoming more and more obviously. The article start to the current situation and the reasons of financial disintermediation. Analysing challenges and opportunities which are brought by financial disintermediation and proving that financial disintermediation indeed has an impact on the commercial banks in China by an empirical analysis. On this basis, it is recommended that Chinese commercial banks ' business ideas must be updated to convert challenges into opportunities.Meanwhile, Chinese commercial banks should promote business model transformation and business innovation to maintain the original profits and find new profit point to address the financial disintermediation.
Key words: commercial bank,financial disintermediation, financial agent direct financing and indirect financing
目录
1 绪论   1
1.1 研究背景及意义   1
1.2 研究思路和框架结构   1
1.3 研究方法   3
1.4 金融脱媒相关研究文献综述   3
2 相关理论概述   7
2.1 金融脱媒   7
2.2 商业银行主要业务   7
2.3 实证分析中涉及相关概念   7
2.4 资产证券化   7
3 我国金融脱媒现状、特点和原因   9
3.1 我国金融脱媒的现状   9
3.2 我国金融脱媒的特点   12
3.3 我国金融脱媒的原因   13
4 金融脱媒对我国商业银行的影响   15
4.1 金融脱媒对我国商业银行资产业务的影响   15
4.2 金融脱媒对我国商业银行负债业务的影响   15
4.3 金融脱媒对我国商业银行表外业务的影响   16
4.4 金融脱媒对我国商业银行风险管理的影响   16
5 金融脱媒对商业银行影响的实证分析   17
5.1 关于指标的选取   17
5.2 实证时间序列选取   18
5.3 实证过程分析   19
5.4 结论   23
6 我国商业银行应对金融脱媒的策略   24
6.1 解放思想，更新经营理念   24
6.2 减小金融脱媒对传统业务的冲击   24
6.3 拓展新的利润增长点   26 金融脱媒对商业银行的影响研究:http://www.751com.cn/jingji/lunwen_10677.html