金融脱媒对我国商业银行存贷款结构影响的效应分析金融学专业论文.docxVIP

II II 强对创新中可能出现的风险的控制,发挥金融脱媒的正效应,促进商业银行的健康稳 定发展。 论文主要在以下两个方面进行了创新性探讨： 1.从居民理财观念、企业存款决策角度研究金融脱媒对商业银行存款结构的影响 路径；从企业融资决策、居民消费信贷决策角度研究了金融脱媒对我国商业银行贷 款结构的影响路径。 2.在前人研究基础之上，设定相关的定量指标，通过构建多元线性回归模型并运 用协整分析法，对金融脱媒对商业银行存贷款结构的影响结果进行了效应检验，即 典型案例剖析，很好的验证了相关理论分析的正确性。本文的实证研究也丰富了金 融脱媒的度量研究内容。 关键词：金融脱媒；商业银行；存贷款结构 III III The Analytical Study for the Influence of Financial Disintermediation on Commercial Banks Deposit and Loan Structure in China Abstract Financial disintermediation is an important economic phenomenon. The concept of financial disintermediation was first proposed in the United States since the 1960s. Since then, financial disintermediation phenomenon has been occurred in Japan, Germany and other countries by different levels. Financial disintermediation will be inevitably appeared in those countries with the development of market economy in the financial sector. According to international experience, financial disintermediation phenomenon will become more apparent and be shown long-term trends along with the continuous development of the market economy, as well as the improvement of the financial markets. There are some manifestations of financial disintermediation: slowdown in growth of household savings deposits; The proportion of loans’ decline in the corporate finance; Increase in intermediate business and balance sheet business, the expansion of the direct financing market, and The decline in the influence of the banking system ;The weakening of the effect of the central banks macro-control policies. With the development of Chinas financial markets, the phenomenon has appeared in our country, and presents the trend of long-term development. Commercial banks have been always in a dominant position in Chinas financial markets. Financial disintermediation constitute the impact of Chinas commercial banks, in particular, it have had a certain impact on traditional deposit and loan business of commercial banks, and also affected the level of p