风险管理视角下的存贷比研究——以a银行为例word格式论文.docxVIP

优秀毕业论文 精品参考文献资料 摘 要 存贷比是监测商业银行流动性管理的一个重要指标。商业银行的立足根本是保证充足 的资金流动性，以获得丰足的盈利效果和稳定的经营系统。过高的存贷比，在金融市场和 商业银行经营模式、资产负债结构的变化中，将严重影响银行的资金流动性，引发潜在的 风险管理危机。近年来，人们已经开始关注我国商业银行的存贷比两极分化的问题，而金 融行业的健康发展也已经被银行存贷比超标的因素严重阻碍。为此，本文以存贷比持续走 高的 A 银行为研究对象，采用案例分析的写作模式，从风险管理的角度，结合其近五年存 贷比的相关数据，通过分析 A 银行的经营管理现状，探视其经营模式在经济发展中存在的 矛盾。本文更多的着眼于全局，将问题置于建立和谐金融环境中，以 A 银行为切入点，探 究案例中的原因，力图提出适用于 A 银行，也适用于其他中小股份制商业银行改善存贷比 问题的对策建议。经过深入分析研究，本文认为解决 A 银行存贷比过高的矛盾是一个长期 的过程，只有通过调整内部考核方案、持续推行资产证券化、优化信贷资源配置等措施， 才能够使其不逾越红线并稳步提高自身的盈利能力，而对于同样生存在控制信贷规模背景 下的同类中小股份制商业银行，以上途径也具有实践参考意义。 关键词：存贷比，风险管理，政策 I  Abstract Loan-to-deposit ratio is an important indicator to monitor commercial banks liquidity management. Commercial banks are based on fundamental to ensure adequate liquidity to get plenty of profit performance and stable operating system. Higher loan-to-deposit ratio, while the operation mode and the structure of assets and liabilities in commercial banks and financial market changes, will seriously affect the financial liquidity of the bank, causing potential crisis risk management, causing potential crisis risk management. In recent years, people started to pay attention to the problem about loan-to-deposit ratio polarization of commercial banks in China, and the healthy development of the financial industry has already been seriously hinder with the reason of bank loan-to-deposit ratio exceed the standard. Therefore, the paper choose A Bank which the loan-to-deposit ratio higher as the research object, adopts the case analysis of the mode of writing, from the perspective of risk management, combined with the relevant data of loan-to-deposit ratio in recent five years, by analysis the current situation of A Bank management, access to the business model in the contradiction between economic development and changes in the adverse effects. In this paper, more focus on the overall situation, put the problems in the establishment of a harmonious financial environment, taking A Bank as the breakthrough point, through