金融脱媒对我国商业银行的影响及对策分析

金融脱媒对我国商业银行的影响及对策分析
摘要

随着金融体制改革的进一步深化，金融领域的逐渐对外开放以及相关政策措施的逐步落实，金融脱媒态势日益显现，我国金融脱媒的长期趋势已基本确立并将加速发展，这种情况直接挤压了我国商业银行的生存空间，对我国商业引航来说既是挑战，又是一个重要的机遇。面对金融领域的这一重大结构性变化，我国商业银行应仔细分析现状，借鉴国外宝贵经验，调整经营策略，改革传统经营模式，加强风险管理和金融产品的创新能力，努力探索出一条能够充分发挥自身竞争优势，与资本市场形成良性互动的发展道路。
【关键词】：金融脱媒  商业银行  影响  对策
The Effect and Countermeasures of Financial Disintermediation of Commercial Banks in China

Abstract

With the further reform of financial structure and opening economy to the outside world as well as the implementation of economic policy, the trend of financial disintermediation is becoming more and more obviously. This long-term trend has already established and it will develop faster which narrowed the living space of commercial banks in China. It’s not only a challenge, but also a valuable developing opportunity of commercial banks of China, which should carefully analyses the current situation and use the experience of foreign countries and adjust the business strategy and reform the traditional business model and intensify the venture management together with the creativity ability of economic products to such a great structural change. What’s more, we should explore a way of bringing the superiority of self-competition into full play and the benignant mutual promotion of the capital market .
【Key words】:Financial Disintermediation  Commercial banks  Influence  Countermeasures
目录

绪论................................................................(1)
一、金融脱媒发展概述....................................................(1)
（一） 金融脱媒的含义..................................................(1)
（二） 金融脱媒现象的产生..............................................(1)
二、金融脱媒在我国的表现及其影响.........................................(1)
（一）我国金融脱媒现象的主要表现.......................................(1)
1.商业银行存差逐年增大，存贷款比率有所下降.........................(1)
2.企业融资渠道的多样化，对银行信贷的依赖性降低.....................(2)
(1)通过发行股票、债券、短期融资券来筹措资金.........................(2)
(2)通过租赁融资...................................................(3)
(3)通过大型企业财团融资...........................................(3)
3. 多种金融工具使银行存款不再是居民金融资产的唯一选择.............(4)
(二)金融脱媒对我国商业银行的影响.....................................(4)
1.金融脱媒使我国商业银行面对的挑战................................(4)
(1)金融脱媒对商业银行传统业务的总量和结构带来负面影响.............(4)
(2)金融脱媒使商业银行的优质贷款客户的迅速流失.....................(4)
(3)金融脱媒对商业银行的风险管理能力提出了更高要求.................(5)
2.金融脱媒给我国商业银行带来的机遇................................(5)
(1)金融脱媒使商业银行同业存款、企业机构大额存款增加...............(5)
(2)商业银行证券抵押贷款、融资融券等业务面临发展契机................(5)
(3)商业银行的企业理财、现金管理、资产管理等中间业务前期广阔........(5)
(4)金融脱媒促进商业银行更加有效的管理风险.........................(5)
三、美国应对金融脱媒的经验借鉴及其启示...................................(5)
（一）美国应对金融脱媒的经验..........................................(5)
1.法人治理结构....................................................(5)
(1)银行上市与股权分散化...........................................(5)
(2)金融控股公司...................................................(6)
2.业务运行模式....................................................(6)
(1)消费者银行业务.................................................(6)
(2)资本市场业务和资产管理业务.....................................(6)
3.利润来源........................................................(6)
（二）美国应对金融脱媒的启示..........................................(6)
四、我国商业银行应对金融脱媒的对策分析...................................(7)
（一）全面转变经营理念.................................................(7)
（二）加强金融产品创新.................................................(7)
（三）转型业务经营模式，从单一经营向多元化经营转变....................(7)   （四）加强风险管理，推动管理制度创新...................................(7)
（五）调整和改善客户结构...............................................(8)
（六）加强人才队伍建设，建立健全考评激励体系...........................(8)
结论.................................................................(8)
参考文献.............................................................(9)

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