金融脱媒现状与商业银行转型分析.docVIP

金融脱媒现状与商业银行转型分析 摘 要 任何一个实行市场化的国家在发展的过程中必然会遇到金融脱媒现象。由于我国金融市场的不断发展，金融脱媒现象日益显现。金融脱媒现象的凸显对在我国作为间接金融主要媒介的商业银行产生了一定的影响，致使资金不通过银行而直接到达融资者手中，因而商业银行融资中介作用被削弱，传统业务受到严峻的挑战。本文针对我国金融脱媒的具体情况，结合数据对我国金融脱媒进行度量，探讨了金融脱媒对我国商业的影响。面对金融脱媒带来的机遇与挑战，商业银行亟需作出必要的转型，规划出一条新的路径。商业银行在金融脱媒的市场条件下如何调整其经营管理，本文就此归纳了我国商业银行针对这一现象所采取一些必要的应对应对措施。 关键词：金融脱媒 商业银行 机遇与挑战 转型 Financial disintermediation and commercial banking transformation analysis of the status quo Abstract Any implementation of market-oriented country in the process of development will inevitably encounter financial disintermediation. Due to the continuous development of Chinas financial markets, financial disintermediation phenomenon is increasingly apparent. Financial highlights for the disintermediation phenomenon in our country as the main medium of indirect finance commercial banks have had a certain impact, resulting in funds through banks and not directly to the hands of financiers, and thus commercial bank financing intermediary role is weakened by the traditional business challenges . In this paper, the specific situation of financial disintermediation, combined with the data to measure our financial disintermediation, the effect of financial disintermediation of our business. Opportunities and challenges brought by financial disintermediation, commercial banks need to make the necessary transition plan a new route. Commercial banks how to adjust its management in the financial disintermediation market conditions, the paper summarizes the necessary connection coping response measures taken by Chinas commercial banks for this phenomenon. Keywords: financial disintermediation commercial bank restructuring opportunities and challenges 1. 绪论 1.1 研究背景 “金融脱媒”的概念始于20世纪60年代的美国，那时的美国正处在利率管制时期，Q条例的实行促使银行存款利率的上限受到管制，这使得商业银行获得了低成本的资金，但是却影响了人们存款的积极性。为了逃避Q条例所带来的限制，一些提供类似于存款工具的机构应运而生，导致了银行存款大量流向非银行资本市场，从而使商业银行传统的存贷业务受到影响，信用收缩、盈利下降，最终致使商业银行经营遇到困难。随着金融业的进一步发展，银行业既面临着行业内的竞争，也受到了来自银行系统以外的极大挑战，例如非银行金融机构的大量涌